Commercial Auto Insurance

Similar to personal auto insurance, commercial car and truck insurance offers you options to protect other drivers and to protect yourself. Basic coverages include:

• Bodily injury liability to cover bodily injury or death of other drivers or passengers.
• Property damage liability to cover physical damage to someone else’s vehicle or property.
• Comprehensive coverage to cover losses from theft and incidents that did not result from a collision, such as a tree falling on the car or a stone from the road damaging your windshield.
• Collision coverage to protect your car when you hit or are hit by another vehicle.
• Uninsured/underinsured motorist coverage to cover you for injuries, damages, or death if the person who hit you does not have auto insurance or enough insurance.
• Medical payments coverage to cover medical costs for you and passengers injured in an accident.

Depending on the policy and your business’s needs, you may also obtain coverage for:

• Lease or gap coverage to cover the difference you might owe the lienholder above the value of the car in case of a total loss.
• Electronic equipment coverage for permanently installed GPS, DVD players, or pricey sound system.
• Physical damage on hired or borrowed vehicles as long as you have physical damage on your own car or truck.
• Liability when employees use their own cars for business purposes.