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 Taft, 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 Taft 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 Taft CA 93268. 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 Taft depends on its automobiles for transportation, then commercial auto insurance is required. Big companies with large fleets, in addition to small businesses with single cars require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers vehicles that are not covered by individual auto insurance plans, that is, cars that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained during the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all kinds of cars used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Taft might also be referred to as fleet insurance or truck insurance.
Since personal vehicles are not meant for business usage, they are rated and written off in a different way from the vehicles used commercially. The compensation plans also differ in between individual and commercial auto insurance coverage.
For example, the plan takes in account the commercial vehicles are managed by licensed employees in Taft CA who are governed by work policies with regards to the automobiles. This helps the insurance company know when and who to appropriate the blame in case of accidents, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance plan comes with various types of protection.
• Bodily injury liability: this kind of coverage pays for physical injury or death, along with supplying with legal defense if your business is at fault.
• Property damage liability coverage: This coverage protects you in case the vehicle damages another individual’s property in the course of business. You might also get legal defense.
• Accident protection: This insurance coverage pays for the medical expenditures of the occupants in case of an accident, regardless of who is at fault. It is also known 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 motorist (or most of the times, a hit-and-run motorist).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that offers separate limits that apply for bodily injury and property damage. It has the same amount of coverage (in regards to cash) that gets 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 object, or when it triggered the accident.
• Comprehensive physical damage coverage: This coverage pays for the vehicle in case of other uncontrollable instances like floods, fire, vandalism, and theft.
In Essence
This kind of insurance coverage is meant to safeguard your business from costly suits in case your vehicle triggered the mishap. It also protects the business in that its owner won’t incur the extra expense of vehicle repair and even fleet replacement regardless of who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile throughout its operations.