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 Tehachapi, 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 Tehachapi 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 Tehachapi CA 93561. 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 Tehachapi counts on its vehicles for transport, then commercial auto insurance is required. Big companies with big fleets, along with small businesses with single vehicles require 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, vehicles that are used for business purposes. The insurance covers for damages, injuries, and liabilities incurred during the use of the automobiles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars used 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 Tehachapi might also be referred to as fleet insurance or truck insurance.
Given that individual cars are not meant for business usage, they are rated and written off differently from the vehicles utilized commercially. The compensation plans also differ in between personal and commercial auto insurance coverage.
For example, the plan takes in account the commercial vehicles are managed by authorized employees in Tehachapi CA who are governed by work policies with regards to the vehicles. This helps the insurance company know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Consists Of
The commercial auto insurance coverage includes different types of coverage.
• Physical injury liability: this type 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 person’s property in the course of business. You may also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenses of the residents in the event of an accident, 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 an extent, property damage triggered 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 obtain physical injury and property damage. It has the same amount of protection (in regards to money) that gets either physical injury, property damage, or whether one or more individuals were involved in the mishap.
• Crash coverage: This coverage pays for your vehicle when it is struck by another object, or when it caused 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 type of insurance coverage is meant to protect your business from pricey suits in case your vehicle caused the mishap. It also protects the business in that its owner will not incur the extra expense of vehicle repair or even fleet replacement regardless of who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile during its operations.