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 Solana Beach, 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 Solana Beach 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 Solana Beach CA 92075. 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 Solana Beach depends on its automobiles for transport, then commercial auto insurance is needed. Huge companies with large fleets, in addition to small businesses with single automobiles 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, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities incurred during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy automobiles– SUVs). The insurance coverage in Solana Beach may also be referred to as fleet insurance or truck insurance.
Since personal cars are not meant for business use, they are rated and written off in a different way from the cars used commercially. The compensation plans also vary in between individual and commercial auto insurance policies.
For example, the plan takes in account the commercial automobiles are handled by authorized staff members in Solana Beach CA who are governed by work policies with regards to the automobiles. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan includes different kinds of coverage.
• Bodily injury liability: this kind of coverage pays for physical injury or death, along with providing with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle harms another individual’s property in the course of business. You may also get legal defense.
• Personal injury protection: This insurance coverage pays for the medical costs of the residents in case of a mishap, despite 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 for the most parts, a hit-and-run driver).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limits that get bodily 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 struck by another object, 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 pricey claims in case your vehicle triggered the accident. It also protects the business in that its owner won’t incur the extra expense of vehicle repair or even fleet replacement no matter who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that operates an automobile during its operations.