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 Yuba City, 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 Agency Near Me In Yuba City 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 Yuba City CA 95991. 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 Yuba City relies on its cars for transport, then commercial auto insurance is needed. Huge companies with large fleets, as well as small businesses with single vehicles need the insurance plan in place.
The commercial auto insurance policy is an insurance plan that covers cars that are not covered by personal auto insurance plans, that is, cars that are utilized for business purposes. The insurance covers for damages, injuries, and liabilities sustained during the use of the cars.
What Is Covered?
The commercial vehicle insurance plan covers all types of automobiles utilized by the business, from small cars and trucks to heavy commercial trucks (including vans, food trucks, box trucks and service energy cars– SUVs). The insurance coverage in Yuba City might also be referred to as fleet insurance or truck insurance.
Given that personal vehicles are not meant for business usage, they are rated and written off in a different way from the automobiles used commercially. The compensation plans also differ in between personal and commercial auto insurance plans.
For example, the plan takes in account the commercial cars are dealt with by licensed staff members in Yuba City CA who are governed by work policies with regards to the automobiles. This helps the insurance provider know when and who to appropriate the blame in case of mishaps, damages, and even death.
What Commercial Auto Insurance Includes
The commercial auto insurance coverage features different kinds of protection.
• Physical injury liability: this type of coverage pays for bodily 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 damages another individual’s property in the course of business. You may also get legal defense.
• Injury protection: This insurance coverage pays for the medical costs of the occupants in the event of an accident, regardless of who is at fault. It is also called the no-fault or medical payments coverage.
• Uninsured driver coverage: This coverage pays for the injuries and to an extent, property damage brought on by an uninsured driver (or for the most parts, a hit-and-run chauffeur).
Other Areas Covered By the Policy
• Integrated single limitation coverage (CSL): This is a coverage that offers separate limitations that get bodily injury and property damage. It has the same amount of coverage (in terms of money) that requests either bodily injury, property damage, or whether one or more people were involved in the accident.
• Collision coverage: This coverage pays for your vehicle when it is struck by another item, 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 type of insurance coverage is meant to protect your business from costly suits in case your vehicle caused the accident. It also protects the business in that its owner won’t sustain the additional expense of vehicle repair or even fleet replacement regardless of who caused the accident.
Thus, it’s a no-brainer that commercial auto insurance coverage is mandatory for any business that runs an automobile throughout its operations.