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 Rafael, 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 Rafael 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 Rafael CA 94901. 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 Rafael relies on its cars for transportation, then commercial auto insurance is needed. Big companies with large fleets, along with small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers cars 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 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 vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in San Rafael may also be referred to as fleet insurance or truck insurance.
Considering that personal vehicles are not meant for business usage, they are rated and written off in a different way from the cars used commercially. The compensation plans also vary in between personal and commercial auto insurance policies.
For example, the plan takes in account the commercial cars are managed by licensed employees in San Rafael CA who are governed by work policies with regards to the vehicles. 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 plan features various kinds of coverage.
• Physical injury liability: this type 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 harms another person’s property in the course of business. You might also get legal defense.
• Injury protection: This insurance coverage pays for the medical costs of the occupants in case of an accident, regardless of 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 an extent, property damage triggered by an uninsured chauffeur (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that provides different limitations that request physical injury and property damage. It has the same quantity of protection (in regards to money) that makes an application for either physical injury, property damage, or whether several 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 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 kind of insurance coverage is meant to safeguard your business from expensive lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner will not sustain the additional cost of vehicle repair or perhaps fleet replacement no matter who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that operates an automobile during its operations.