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 Marcos, 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 Marcos 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 Marcos CA 92069. 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 Marcos depends on its automobiles for transport, then commercial auto insurance is needed. Big companies with large fleets, along with small businesses with single vehicles 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, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in San Marcos might also be referred to as fleet insurance or truck insurance.
Considering that individual cars are not meant for business use, they are rated and written off in a different way from the vehicles utilized commercially. The compensation plans also differ in between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial vehicles are dealt with by authorized staff members in San Marcos CA who are governed by work policies with regards to the cars. 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 coverage comes with different types of protection.
• Physical injury liability: this kind of coverage pays for bodily 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 person’s property in the course of business. You may also get legal defense.
• Personal injury protection: This insurance coverage pays for the medical expenses of the residents in case of a mishap, regardless of 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 triggered by an uninsured chauffeur (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides different limits that apply for bodily injury and property damage. It has the same quantity of coverage (in regards to cash) that makes an application for either bodily injury, property damage, or whether one or more individuals were involved in the accident.
• Crash 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 instances like floods, fire, vandalism, and theft.
In Essence
This type of insurance coverage is meant to safeguard your business from pricey suits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the extra cost of vehicle repair and even fleet replacement despite who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile during its operations.