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 Gabriel, 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 Agency Near Me In San Gabriel 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 Gabriel CA 91775. 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 San Gabriel depends on its vehicles for transport, then commercial auto insurance is required. Huge companies with big fleets, along with small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, automobiles that are used for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of automobiles used by the business, from small vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in San Gabriel may also be referred to as fleet insurance or truck insurance.
Given that personal automobiles 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 vary between individual and commercial auto insurance coverage.
For instance, the plan takes in account the commercial vehicles are handled by licensed employees in San Gabriel 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 mishaps, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance policy comes with different kinds of protection.
• Physical 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 harms another person’s property in the course of business. You may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenses of the occupants 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 chauffeur (or for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that provides separate limits that look for physical injury and property damage. It has the same amount of coverage (in terms of money) that looks for either physical injury, property damage, or whether one or more people were involved in the accident.
• Accident coverage: This coverage pays for your vehicle when it is struck 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 type of insurance coverage is meant to protect your business from expensive suits in case your vehicle triggered the accident. It also protects the business in that its owner will not sustain the additional cost of vehicle repair or perhaps fleet replacement regardless of who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile during its operations.