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 San Fernando, 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 Company Near Me In San Fernando 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 San Fernando CA 91340. 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 San Fernando depends on its automobiles for transportation, then commercial auto insurance is needed. Big companies with large fleets, as well as small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, cars that are used for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in San Fernando may also be referred to as fleet insurance or truck insurance.
Considering that individual vehicles are not meant for business usage, they are rated and written off in a different way from the vehicles utilized commercially. The compensation plans also vary between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial automobiles are handled by licensed workers in San Fernando CA who are governed by work policies with regards to the vehicles. This helps the insurance provider 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 plan features different kinds of protection.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, along with supplying with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another individual’s property in the course of business. You might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical costs of the residents in case of an accident, no matter 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 motorist (or for the most parts, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers separate limitations that request physical injury and property damage. It has the same quantity of protection (in terms of cash) that gets 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 object, or when it caused the crash.
• 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 expensive claims in case your vehicle triggered the mishap. It also protects the business in that its owner will not sustain the additional expense of vehicle repair or perhaps fleet replacement despite who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile throughout its operations.