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What Can Commercial Auto Insurance Do For You?

What Can Commercial Auto Insurance Do For You?If you use any sort of vehicle for your various business needs, you should have commercial auto insurance. A personal policy will not always be enough, so having a commercial auto policy will keep you protected. Here is some information about commercial auto insurance that may come in handy for your business.

What is commercial vehicle insurance?

This type of auto insurance protects the cars you use to operate your business in case something happens. Generally, the policy covers physical damage and liability situations that are not covered by a personal auto policy.

What exactly does a commercial policy cover?

  • Bodily injury liability: In an accident where you or one of your drivers was at fault and caused bodily harm or death, your policy will usually provide you with legal defense.
  • Property damage liability: This protects you if one of your vehicles accidentally damages someone’s property.
  • Combined single limit (CSL): Liability policies usually offer separate limits to bodily injury claims and property damage claims. A combined single limit policy has the same amount of coverage per occurrence regardless of the type of claim or how many people it affects.
  • Medical payments: A commercial policy usually covers the medical expenses of the driver and passengers in one of your vehicles, regardless of fault.
  • Uninsured motorists: If an uninsured or under-insured motorist causes an accident resulting in bodily harm or property damage, your policy covers you for damage up to a certain point.
  • Collisions: It will pay for the repairs of the damage done to your vehicle if it hits or is hit by another object or car.
  • Comprehensive physical damage: You are covered if your vehicle experiences damage from theft, vandalism, natural disasters and other covered circumstances.

Contact Global Financial & Insurance Services in Irving for all of your Texas auto insurance needs. Keep your commercial cars protected in case of an accident with a commercial auto insurance policy. Know what commercial auto insurance can provide for you and get a policy, today!