What Does Commercial Auto Insurance Cover?

​Commercial auto insurance usually covers collision, liability damages, or comprehensive physical damage loss to your business vehicles.

Commercial Vehicle Insurance Covers What Types Of Vehicles?
While commercial vehicle insurance is similar to personal auto insurance in many ways, it is specifically designed for vehicles used by or for a business. This commercial insurance coverage could include vehicles purchased for your own business and private vehicles used for business.

• Food trucks 
• Box trucks
• work vans 
• Forklifts or other construction vehicles
• Service utility trucks
• Dump trucks
• Company cars

How Commercial Car Insurance Protects A Company
When you or an employee causes an accident, car insurance covers the damage to a company vehicle and bodily injuries.

Commercial Car Insurance Provides Five Insurance Plans:

1. Uninsured motorist coverage - protects you if an uninsured driver injures the driver or passengers in your car. It also covers damage to the vehicle caused by uninsured motorists in some states. 
2. Auto liability - covers legal fees if someone sues you because of damage done by your vehicle.
3. Collision coverage - It pays to repair damage to your car caused by an accident with another vehicle. 
4. Comprehensive coverage - compensates for vehicle theft and damage caused by other factors, such as vandalism.
5. Medical payments - for accident-related medical bills.

Who Requires Commercial Auto Insurance?
If you own a business that relies on commercial vehicles to function, you should have commercial car insurance to protect them. However, determining whether you need commercial coverage as a self-employed person or sole proprietor can be more difficult. Here are a few business practices that may require commercial auto insurance:

• Driving for money 
• Transportation work
• Logging extensive mileage 
• Pizza delivery to paying customers
• Driving to several job sites
• Driving clients to a business event
• Transporting tools to the worksite where you are working

Consider The Following When Deciding On A Commercial Policy As A Sole Proprietor:
What type of liability coverage do you have through your policy versus the amount of coverage you require based on business activity?

• How do you usually use your business vehicle?
• What protection your auto insurance policy provides
• The type and weight of the vehicle

Conclusion:
Your insurance requirements may differ depending on the type of vehicles you are using in your business. While commercial auto insurance is similar to personal auto insurance in many ways, it is specifically designed for vehicles used by or for a business. That can include vehicles purchased for your own business and personal vehicles used for business.

At Kapasu Insurance Services Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.