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 Vidal, 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 Specialists Near Me In Vidal 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 Vidal CA 92280. 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 Vidal counts on its cars for transportation, then commercial auto insurance is required. Huge companies with big fleets, along with small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance plan 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 vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of cars used by the business, from small cars to heavy commercial trucks (including vans, food trucks, box trucks and service utility vehicles– SUVs). The insurance coverage in Vidal might also be referred to as fleet insurance or truck insurance.
Considering that individual automobiles are not meant for business use, they are rated and written off differently from the cars used commercially. The compensation plans also differ in between personal and commercial auto insurance policies.
For instance, the plan takes in account the commercial vehicles are handled by authorized workers in Vidal 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 mishaps, damages, as well as death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage features numerous types of coverage.
• Bodily injury liability: this kind 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 damages another person’s property in the course of business. You might also get legal defense.
• Injury coverage: This insurance coverage pays for the medical expenditures of the residents in case of an accident, regardless of who is at fault. It is also known as the no-fault or medical payments coverage.
• Uninsured vehicle driver coverage: This coverage pays for the injuries and to a degree, property damage caused by an uninsured driver (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limit coverage (CSL): This is a coverage that provides different limitations that apply for bodily injury and property damage. It has the same amount of protection (in terms of cash) that obtains either physical injury, property damage, or whether several individuals were involved in the accident.
• Collision 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 kind of insurance coverage is meant to protect your business from pricey lawsuits in case your vehicle triggered the mishap. It also protects the business in that its owner will not sustain the extra cost of vehicle repair and even fleet replacement no matter who caused the accident.
Therefore, it’s a no-brainer that commercial auto insurance coverage is compulsory for any business that runs an automobile during its operations.