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 Martin, 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 Martin 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 Martin CA 95046. 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 Martin depends on its vehicles for transport, then commercial auto insurance is needed. Big companies with big fleets, in addition to small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers automobiles that are not covered by individual auto insurance plans, that is, vehicles that are used for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in San Martin may also be referred to as fleet insurance or truck insurance.
Given that individual automobiles 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 vary between personal and commercial auto insurance plans.
For instance, the plan takes in account the commercial automobiles are dealt with by authorized workers in San Martin 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 Includes
The commercial auto insurance coverage includes different types of coverage.
• Bodily 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 harms another individual’s property in the course of business. You might also get legal defense.
• Personal injury protection: 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 vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured driver (or for the most parts, a hit-and-run motorist).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers separate limits that look for physical injury and property damage. It has the same amount of coverage (in terms of cash) that obtains either bodily injury, property damage, or whether one or more people were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is struck by another object, or when it caused the accident.
• 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 protect your business from costly suits in case your vehicle triggered the accident. It also protects the business in that its owner won’t incur the extra expense of vehicle repair or even fleet replacement regardless of who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that operates an automobile throughout its operations.