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 Santa Barbara, 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 Specialists Near Me In Santa Barbara 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 Santa Barbara CA 93101. 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
Comprehending What Commercial Auto Insurance Is
If your business in Santa Barbara depends on its automobiles for transportation, then commercial auto insurance is required. Big companies with big fleets, along with small businesses with single automobiles need the insurance plan in place.
The commercial auto insurance coverage is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, automobiles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Santa Barbara might also be referred to as fleet insurance or truck insurance.
Given that personal vehicles are not meant for business use, they are rated and written off differently from the automobiles used commercially. The compensation plans also differ between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial vehicles are managed by licensed workers in Santa Barbara 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 policy includes numerous types of protection.
• Bodily injury liability: this type of coverage pays for bodily injury or death, as well as offering 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 may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenditures of the residents in the event of an accident, no matter who is at fault. It is also referred to as 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 driver (or in many cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Integrated single limit coverage (CSL): This is a coverage that offers separate limitations that look for physical injury and property damage. It has the same quantity of protection (in terms of cash) that obtains 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 hit by another item, or when it caused the collision.
• 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 lawsuits in case your vehicle triggered the accident. It also protects the business in that its owner won’t sustain the additional cost of vehicle repair and even fleet replacement no matter who triggered the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is obligatory for any business that operates an automobile throughout its operations.