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 Salinas, 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 Salinas 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 Salinas CA 93901. 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
Understanding What Commercial Auto Insurance Is
If your business in Salinas depends on its vehicles for transportation, then commercial auto insurance is required. Big companies with big fleets, in addition to small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, automobiles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Salinas might also be referred to as fleet insurance or truck insurance.
Since personal cars are not meant for business usage, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also differ between personal and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are dealt with by licensed employees in Salinas 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 Includes
The commercial auto insurance coverage features various kinds of protection.
• Bodily injury liability: this type of coverage pays for bodily injury or death, along with providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another person’s property in the course of business. You might also get legal defense.
• Injury protection: This insurance coverage pays for the medical expenses of the occupants in the event of a mishap, despite who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured driver (or most of the times, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers separate limits that look for bodily injury and property damage. It has the same quantity of protection (in regards to cash) that looks for either bodily injury, property damage, or whether several people were involved in the mishap.
• Crash 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 costly lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner will not incur the extra expense of vehicle repair or even fleet replacement regardless of who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile throughout its operations.