Are you a business considering buying commercial auto insurance cover? Maybe you want to know first what does commercial auto insurance covers. Either way, you are in the right place, as this post will explain what commercial auto insurance is and what it covers.<\/p>\n\n\n\n
Whether you wish coverage for your business cars, vans, and trucks, commercial auto insurance is the answer. Moreover, you can also cover small businesses to large fleets.<\/p>\n\n\n\n
A commercial auto insurance coverage is a policy that covers any liability and physical damage to your business vehicles. There are various types of vehicles that fall under the umbrella of a commercial auto insurance policy which are<\/p>\n\n\n\n
Commercial insurance also covers the employees driving or operating the vehicle and any equipment within it. This insurance also has other names such as commercial car insurance, fleet insurance, or truck insurance.<\/p>\n\n\n\n
While mostly associated with the coverage of trucks and other large vehicles, you can get commercial auto insurance for regular automobiles and cars too. However, you have to justify that the cars and automobiles are only for business purposes and not personal usage.<\/p>\n\n\n\n
If you have business usage vehicles, then they will most likely not qualify for personal auto insurance. The answer is simple; personal auto insurance only covers cars and other automobiles for personal use. Most importantly, if you are a fleet manager or a business owner, your commercial vehicles will need more extensive coverage that only commercial vehicle insurance will be able to provide.<\/p>\n\n\n\n
A commercial auto insurance policy covers the expenses of accidents involving your company-owned vehicles. Moreover, it also protects your vehicles against vandalism, theft, and other specific vehicle damages.<\/p>\n\n\n\n
Here is a complete breakdown of what protection does commercial auto insurance offers to your business vehicles.<\/p>\n\n\n\n
Commercial auto insurance will provide liability coverage to your commercial vehicles to help pay for any damages caused by the accident. This also includes repair costs to cover damage to another person\u2019s property or vehicle. If the other party sues you over their injuries, commercial auto vehicle insurance will also cover legal expenses.<\/p>\n\n\n\n
Your commercial auto insurance policy also pays for medical bills for injuries caused during an accident. The policy will not only incur the costs of any medical expenses for your driver operating but for the passengers as well.<\/p>\n\n\n\n
The best part is that this coverage is applicable regardless of who was at fault and caused the accident. For example, your driver causes an accident while driving a company\u2019s car. In this case, the commercial auto insurance will cover even the most basic medical expenses of x-rays and first-aid even if there were no serious injuries.<\/p>\n\n\n\n
Your commercial auto insurance will cover your business-owned vehicles against vandalism and theft. Additionally, it will also cover any physical damages caused by an impact on other objects and certain weather-related events.<\/p>\n\n\n\n
For example, an uprooted tree falls on your company\u2019s truck by a windstorm and breaks its windshield. The commercial auto insurance will cover the cost of repairs and replacing the windshield. <\/p>\n\n\n\n