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 Simeon, 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 Simeon 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 Simeon CA 93452. 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 Simeon counts on its vehicles for transportation, then commercial auto insurance is needed. Huge companies with large fleets, in addition to small businesses with single cars need 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, vehicles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility automobiles– SUVs). The insurance coverage in San Simeon may 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 differently from the vehicles used commercially. The compensation plans also differ in between personal and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are dealt with by licensed staff members in San Simeon CA who are governed by work policies with regards to the vehicles. This helps the insurance company 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 various kinds of protection.
• Physical injury liability: this type of coverage pays for physical injury or death, as well as 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.
• Personal injury protection: This insurance coverage pays for the medical expenses of the occupants in case of a mishap, no matter who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured motorist (or in most cases, 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 look for physical injury and property damage. It has the same amount of coverage (in regards to cash) that applies for either physical injury, property damage, or whether one or more people were involved in the mishap.
• 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 circumstances like floods, fire, vandalism, and theft.
In Essence
This type of insurance coverage is meant to safeguard your business from expensive claims in case your vehicle triggered the mishap. It also protects the business in that its owner will not sustain the extra 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 compulsory for any business that operates an automobile during its operations.