commercial auto insurance

Commercial Auto Insurance

Your Commercial Auto Insurance premium is directly related to your recent loss history.  Let us show you how to prevent claims with a variety of safety and loss control programs that will reduce your premium and increase your bottom line.  Cal us today for a review of your coverage!

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What is commercial auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between your business and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Why does your business need auto insurance?

For businesses that have vehicles, they can be their biggest exposure to a loss, either from damage to the vehicles themselves or from liability resulting from damage to other vehicles or individuals.  Businesses can be looked at by others as having substantial assets and therefore a real target for lawsuits.

Liability coverage

Liability auto coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Comprehensive and Collision coverage

commercial auto insurance

Comprehensive Coverage helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.

Collision Coverage helps pay for damage to your vehicle if you hit another vehicle, if another vehicle hits you, or if your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

Uninsured or Underinsured Motorist coverage

Uninsured or underinsured motorist coverage helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured driver results in injury. This coverage may also pay for lost wages and other damages.

Medical Expenses

Helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Personal Injury Protection

PIP is a statutory coverage which provides medical, disability and death benefits for persons injured in or by the insured's vehicles, without regard to fault.

Drive Other Car coverage

This coverage extends the Liability, Medical Payments, Uninsured Motorists and Physical Damage coverages to specified individuals while driving automobiles not owned by them or a member of their household or used in the business of servicing, repairing or selling automobiles. This coverage should be carried in the event that you do not have a Personal Auto Policy which would normally provide this coverage.

Rental Reimbursement

Helps pay for your rental car or other transportation (such as bus or subway) if your car cannot be driven due to an at–fault accident or comprehensive claim.

The above summary is not a policy and is only intended as a brief presentation of available coverages.  The actual insurance policy will provided full details of all benefits, conditions and exclusions.