Commercial Auto Insurance
Commercial Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Commercial Auto Insurance Information
Commercial vehicle owners in California must carry specific minimum amounts of commercial auto insurance. This coverage helps protect your financial stake in company vehicles while helping to protect your business from the financial effects of accident-related liability claims.
The agents at Blake Elliott Insurance Agency in Tuolumne, California, are ready to help your company get the commercial auto insurance coverage it needs. Contact us today to learn more about your options and get a customized quote.
Does My Business Need Commercial Auto Insurance?
If your company purchases a vehicle or a fleet of cars, or you use personal vehicles for business purposes, your business could be held liable for damages in an auto accident. Your commercial auto insurance policy may help pay for damages, including bodily injury and property damage. It may also help pay to repair or replace your company vehicle after an accident.
-
You may need commercial auto insurance if any of the following applies to your business:
-
Your company owns vehicles.
-
Your business provides company-owned cars to employees for both business and private use.
-
Your company operates certain personal vehicles that qualify as commercial vehicles due to their sizes or weights.
In California, all vehicle owners, including companies, must meet the state’s minimum liability insurance requirements.
If you have an auto loan or lease on a company vehicle, your lender may also impose certain minimum insurance requirements to help protect their financial stake in your vehicle.
What Does Commercial Auto Insurance Cover?
Depending on your situation, your agent may recommend the following commercial auto coverages:
-
Liability Insurance: California requires that drivers carry a minimum amount of liability coverage. This policy includes coverage for bodily injury liability and property damage liability. This policy helps pay for third-party damages caused by you or one of your employees while driving a company vehicle or while driving a personal vehicle for business purposes.
-
Collision Insurance: This policy helps pay for damages to the covered vehicle after an accident. Your lienholder may require collision insurance if you have a loan or lease on your company vehicle.
-
Comprehensive Insurance: This policy helps pay for non-accident-related damage to a covered vehicle, such as fire, vandalism, theft, or weather damage. Your lienholder may also require this coverage.
-
Medical Payments/Personal Injury Protection: This policy helps pay for medical bills and may also provide coverage for other losses, including lost income if the driver of your company vehicle or their passengers are hurt in an accident.
-
Uninsured/Underinsured Motorist Insurance: This policy helps cover damages to your vehicle if you are in an accident with a driver that doesn’t have adequate insurance coverage.
Other policies and endorsements may help you get the exact commercial auto coverage you need, such as:
-
Roadside assistance
-
Custom parts coverage
-
Rental car reimbursement
-
Gap insurance
-
Custom parts coverage
Get the Commercial Auto Insurance You Need Today
Commercial auto insurance can help provide your company with financial protection in the event of a damage-causing accident or incident. Contact the agents at Blake Elliot Insurance Agency today to get help building your custom commercial auto insurance package.
|