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 Yorba Linda, 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 Company Near Me In Yorba Linda 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 Yorba Linda CA 92885. 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 Yorba Linda relies on its vehicles for transportation, then commercial auto insurance is required. Huge companies with large fleets, as well as small businesses with single automobiles require the insurance plan in place.
The commercial auto insurance plan is an insurance plan that covers automobiles that are not covered by personal auto insurance plans, that is, vehicles that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained 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 vehicles to heavy commercial trucks (including vans, food trucks, box trucks and service utility cars– SUVs). The insurance coverage in Yorba Linda may also be referred to as fleet insurance or truck insurance.
Because individual automobiles are not meant for business use, they are rated and written off differently from the cars utilized commercially. The compensation plans also vary in between personal and commercial auto insurance coverage.
For instance, the plan takes in account the commercial cars are dealt with by authorized employees in Yorba Linda CA who are governed by work policies with regards to the vehicles. This helps the insurance provider 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 includes different kinds of protection.
• Physical injury liability: this kind of coverage pays for physical injury or death, in addition to 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 coverage: This insurance coverage pays for the medical expenses of the residents in case of an accident, no matter who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured motorist coverage: This coverage pays for the injuries and to a degree, property damage triggered by an uninsured chauffeur (or in many cases, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Combined single limitation coverage (CSL): This is a coverage that provides separate limits that look for physical injury and property damage. It has the same amount of protection (in regards to cash) that looks for 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 struck by another object, or when it caused the crash.
• 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 claims in case your vehicle triggered the accident. It also protects the business in that its owner will not sustain the extra cost of vehicle repair and even fleet replacement despite who triggered the mishap.
Hence, it’s a no-brainer that commercial auto insurance coverage is necessary for any business that runs an automobile throughout its operations.