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 Juan Bautista, 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 San Juan Bautista 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 Juan Bautista CA 95045. 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 Juan Bautista relies on its cars for transport, then commercial auto insurance is required. Huge companies with large fleets, as well as small businesses with single vehicles require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles 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 vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types 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 San Juan Bautista might also be referred to as fleet insurance or truck insurance.
Since 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 differ between individual and commercial auto insurance plans.
For instance, the plan takes in account the commercial cars are dealt with by authorized staff members in San Juan Bautista CA who are governed by work policies with regards to the cars. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan comes with various types of protection.
• Physical injury liability: this type 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 damages another person’s property in the course of business. You might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenses of the occupants in the event of a mishap, no matter 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 a degree, property damage caused by an uninsured motorist (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers different limits that request bodily injury and property damage. It has the same quantity of coverage (in terms of money) that obtains either physical injury, property damage, or whether several people were involved in the accident.
• Accident coverage: This coverage pays for your vehicle when it is hit by another item, or when it caused the accident.
• 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 claims in case your vehicle caused the accident. It also protects the business in that its owner won’t sustain the extra expense of vehicle repair or even fleet replacement no matter who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.