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 Whitewater, 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 Whitewater 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 Whitewater CA 92282. 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 Whitewater counts on its cars for transport, 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 policy is an insurance plan that covers vehicles that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business functions. The insurance covers for damages, injuries, and liabilities sustained throughout the use of the vehicles.
What Is Covered?
The commercial vehicle insurance plan covers all types of vehicles used by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy vehicles– SUVs). The insurance coverage in Whitewater might also be referred to as fleet insurance or truck insurance.
Considering that individual automobiles are not meant for business usage, they are rated and written off in a different way from the cars used commercially. The compensation plans also vary in between personal and commercial auto insurance policies.
For example, the plan takes in account the commercial vehicles are handled by authorized staff members in Whitewater CA who are governed by work policies with regards to the cars. 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 Consists Of
The commercial auto insurance coverage includes different kinds of coverage.
• Physical injury liability: this type of coverage pays for bodily injury or death, as well as 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 may also get legal defense.
• Accident coverage: This insurance coverage pays for the medical expenditures of the residents in case of a mishap, despite who is at fault. It is also referred to as the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to a degree, property damage brought on by an uninsured driver (or in most cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides different limits that apply for physical injury and property damage. It has the same quantity of protection (in regards to cash) that requests either physical injury, property damage, or whether one or more people were involved in the accident.
• Accident coverage: This coverage pays for your vehicle when it is hit 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 kind of insurance coverage is meant to safeguard your business from costly suits in case your vehicle caused the accident. It also protects the business in that its owner won’t incur the additional cost of vehicle repair or perhaps fleet replacement regardless of who triggered the mishap.
Thus, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile during its operations.