Commercial Auto Insurance Contractors

Mar 07, 2019 (0) comment

Commercial Auto Insurance Contractors

Commercial Auto Insurance Contractors

Commercial Auto Insurance Contractors

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What Does Commercial Auto Insurance Cover?

A Commercial Car Insurance policy usually covers accidental damage or bodily injury costs that happen while driving a company vehicle for business purposes. This policy may offer…

  • Auto liability coverage for damage you cause to another person or their property.
  • Medical payment coverage for bodily injuries you sustain in a crash.
  • Physical damage and collision coverage for repairs to your vehicle.
  • Uninsured motorist coverage to pay for damage caused by drivers who don’t have insurance.

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Let’s take a look at each of these in more detail.

Auto Liability Coverage

Commercial Auto Insurance’s liability coverage can help pay for damages in an accident you cause, including…

  • Repair costs for the other person’s damaged vehicle or property.
  • Legal expenses if you’re sued over the other driver’s injuries.

Say you’re driving to meet a client in your company car when you rear-end a fancy sports car. The accident is your fault, and it’s not cheap.

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How not-cheap? A 2015 study conducted by insurance company The Hartford found that small business commercial vehicle accident claims cost an average of $45,000. That makes them the second-most-expensive type of claim small businesses face.

Good thing Commercial Auto Insurance can pay to repair that brand-new sports car and the driver’s medical expenses for injuries caused by the crash.

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Commercial auto claims cost an average of $45,000.

Medical Payment Coverage

If your Commercial Auto Insurance offers medical payment coverage, it can help pay for:

  • Your medical expenses if you’re injured in a car accident.
  • Medical expenses for occupants in your vehicle.

This coverage is available regardless of who caused the accident.

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Physical Damage & Collision Coverage

Commercial Automobile Insurance can also protect your vehicle when it’s damaged by:

  • Theft.
  • Vandalism.
  • Certain weather events.
  • Impact with another object.

For example, let’s say a major storm hits your town. Several trees are uprooted, including one that lands on your business truck. Your Commercial Car Insurance can pay for the necessary repairs.

Uninsured Motorist Coverage

About one in seven drivers in the United States are uninsured, according to the Insurance Research Council. When they cause accidents, they might not be able to pay for the damages. Your policy’s uninsured motorist coverage makes sure you don’t have to pick up the slack.

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It can help pay for:

  • Your bodily injuries.
  • Damage to your car (depending on your policy and state).

For example, say you’re on your way to meet a client. A driver in an old Ford Mustang convertible runs a stop sign and slams into the side of your car. As you exchange insurance information, the driver realizes he doesn’t have insurance for his vehicle, which he only drives during the warm months.

In this case, your Commercial Auto Insurance policy may pay for the damage the uninsured driver caused to your vehicle.

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