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 Ysabel, 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 Santa Ysabel 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 Ysabel CA 92070. 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 Ysabel depends on its cars for transportation, then commercial auto insurance is needed. Huge companies with large fleets, as well as small businesses with single cars need the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, automobiles that are utilized 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 cars utilized by the business, from small automobiles to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Santa Ysabel might also be referred to as fleet insurance or truck insurance.
Because personal cars are not meant for business usage, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also vary in between individual and commercial auto insurance plans.
For example, the plan takes in account the commercial cars are handled by licensed staff members in Santa Ysabel CA who are governed by work policies with regards to the cars. This helps the insurer know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance plan comes with numerous kinds of coverage.
• Physical injury liability: this type of coverage pays for physical injury or death, in addition to 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 known as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured motorist (or in most cases, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides separate limits that get bodily injury and property damage. It has the same amount of coverage (in regards to cash) that obtains either bodily 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 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 costly suits in case your vehicle caused the mishap. It also protects the business in that its owner won’t sustain the additional expense of vehicle repair and even fleet replacement despite who caused the accident.
Hence, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile throughout its operations.