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 Quentin, 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 Quentin 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 Quentin CA 94964. 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 Quentin counts on its automobiles for transportation, then commercial auto insurance is required. Big companies with large fleets, as well as small businesses with single vehicles need 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, automobiles that are used for business functions. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of vehicles utilized by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in San Quentin might also be referred to as fleet insurance or truck insurance.
Because 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 example, the plan takes in account the commercial vehicles are handled by authorized employees in San Quentin CA who are governed by work policies with regards to the automobiles. This helps the insurance provider 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 policy includes various kinds of coverage.
• Bodily injury liability: this kind of coverage pays for bodily injury or death, as well as 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 might also get legal defense.
• Accident protection: This insurance coverage pays for the medical costs of the residents in the event of a mishap, no matter 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 an extent, property damage triggered by an uninsured motorist (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers different limitations that get bodily injury and property damage. It has the same amount of coverage (in regards to cash) that obtains either physical injury, property damage, or whether one or more individuals were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is hit by another item, or when it triggered 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 kind of insurance coverage is meant to safeguard your business from costly suits in case your vehicle caused the accident. It also protects the business in that its owner will not incur the additional expense of vehicle repair and even fleet replacement regardless of who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile throughout its operations.