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 Jose, 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 Experts Near Me In San Jose 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 Jose CA 95101. 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 Jose relies on its vehicles for transportation, then commercial auto insurance is required. Big companies with big fleets, as well as small businesses with single cars need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, automobiles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in San Jose might also be referred to as fleet insurance or truck insurance.
Since individual cars are not meant for business use, they are rated and written off in a different way from the vehicles used commercially. The compensation plans also vary between personal and commercial auto insurance plans.
For example, the plan takes in account the commercial automobiles are dealt with by authorized staff members in San Jose CA who are governed by work policies with regards to the vehicles. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage features various kinds of protection.
• Bodily injury liability: this type of coverage pays for physical injury or death, in addition to providing 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 may also get legal defense.
• Personal injury coverage: This insurance coverage pays for the medical costs of the occupants in the event of an accident, despite who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage triggered by an uninsured chauffeur (or for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limitations that obtain bodily injury and property damage. It has the same amount of coverage (in regards to money) that gets either physical injury, property damage, or whether several individuals were involved in the mishap.
• Accident coverage: This coverage pays for your vehicle when it is struck by another object, 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 type of insurance coverage is meant to protect your business from costly lawsuits in case your vehicle caused the accident. It also protects the business in that its owner will not incur the extra expense of vehicle repair and even fleet replacement no matter who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that operates an automobile throughout its operations.