Vehicles used for business purposes are typically easy to identify and know whether you need commercial auto insurance. But if you use a car, for example, to run business-related errands or transport clients or tools, you may need commercial auto insurance for that vehicle. So in order to not just be in compliance with the laws of Riverdale, but also your own peace of mind, look to the experts at California Contractors Insurance. We provide the most comprehensive and affordable commercial auto insurance in the state. Our coverages are designed for any type of vehicle you have in your stable whether it’s cars, trucks, or vans, etc.
Commercial Auto Insurance Specialists Near Me In Riverdale California
What can you expect when you work with California Contractors Insurance for your commercial auto insurance needs? Besides the best agents in the state of California, you’ll get the most affordable yet comprehensive coverage in Riverdale CA 93656. Which includes coverage for any vehicle, liability, medical payments, physical damage, hired auto, uninsured motorist, non-owned coverage, and more. You’ll get this coverage tailored by a professional with vast knowledge and experience with commercial auto insurance. This will provide you with the peace of mind you need not to mention satisfying all state of California legal requirements. As an independent contractor, this is the commercial auto insurance you need.
Free Commercial Auto Insurance Quote – (888) 728-4034
Regardless of the number and types of vehicles your business utilizes, the knowledgeable commercial auto insurance agents at California Contractors Insurance can provide you with the policy and coverage you need. So call us today at (888) 728-4034, request a quote, or ask a question of one of our friendly associates. You’ll be glad you did.
More About Commercial Auto Insurance
Comprehending What Commercial Auto Insurance Is
If your business in Riverdale relies on its cars for transportation, then commercial auto insurance is required. Big companies with big fleets, as well as small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers cars that are not covered by individual auto insurance plans, that is, vehicles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Riverdale might also be referred to as fleet insurance or truck insurance.
Given that personal cars are not meant for business use, they are rated and written off differently from the automobiles utilized commercially. The compensation plans also vary between personal and commercial auto insurance coverage.
For instance, the plan takes in account the commercial cars are handled by authorized employees in Riverdale CA who are governed by work policies with regards to the vehicles. This helps the insurance company know when and who to appropriate the blame in case of accidents, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance policy comes with various types of protection.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, in addition to supplying with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another person’s property in the course of business. You may also get legal defense.
• Injury protection: This insurance coverage pays for the medical costs of the occupants in case of a mishap, regardless of who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured driver (or for the most parts, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limitations that apply for bodily injury and property damage. It has the same quantity of protection (in terms of cash) that applies for either bodily injury, property damage, or whether one or more individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is hit by another item, or when it caused the collision.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable circumstances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to protect your business from pricey suits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the additional expense of vehicle repair and even fleet replacement no matter who triggered the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.