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 Maria, 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 Agency Near Me In Santa Maria 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 Maria CA 93454. 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 Santa Maria depends on its automobiles 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 plan is an insurance plan that covers cars 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 sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Santa Maria may also be referred to as fleet insurance or truck insurance.
Since personal cars are not meant for business usage, they are rated and written off in a different way from the automobiles utilized commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial cars are handled by licensed workers in Santa Maria CA who are governed by work policies with regards to the cars. 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 policy comes with various types of coverage.
• Physical injury liability: this type of coverage pays for physical injury or death, along with 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.
• Personal injury coverage: This insurance coverage pays for the medical costs 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 vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured chauffeur (or for the most parts, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limits that make an application for physical injury and property damage. It has the same quantity of coverage (in regards to cash) that makes an application for either bodily injury, property damage, or whether one or more people were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck 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 protect 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 extra expense of vehicle repair or perhaps fleet replacement no matter who triggered the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile during its operations.