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Commercial vehicle insurance can provide similar coverage
as your personal auto insurance policy,
but your personal auto
insurance policy usually won't cover accidents
and claims stemming from vehicle use for business purposes.
Let's take a look at commercial auto insurance
and give you a better idea of what it's all about.
Commercial auto insurance has coverages
that may sound similar to
your own standard auto insurance policy,
but there are differences between commercial
and standard auto insurance.
These differences come in the form of exclusions,
eligibility, coverage, definitions, and limits.
Here is a quick breakdown
of the types of coverages typically found
in commercial auto policies.
Property damage liability coverage provides protection
if the vehicle damages someone else's property.
In most instances, this coverage
also pays for legal defense.
Bodily injury liability coverage pays for the cost
of an injury or death to another person
from a vehicle accident.
It also covers the cost of a legal defense in most cases.
There is also combined single limit coverage.
Liability policies will usually
have different limits for injuries
involving property damages.
A policy with combined single limits
has the same limit for each occurrence.
Comprehensive physical damage coverage protects your vehicle
from damage from vandalism,
theft, fire, and other specifically noted hazards.
Collision coverage provides money
to pay for the damage caused
to your commercial vehicle after someone hits it.
If an uninsured driver or a hit
and run strikes your vehicle,
uninsured motorist coverage could pay
for injuries and property damage.
In certain instances, underinsured
motorist coverage is available.
It applies in instances when the driver
at fault for the accident lacks enough insurance.
Don't put your business at risk.
Let us help you get a commercial auto insurance policy
that meets your needs.
Contact us today for more information.
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