COMMERCIAL AUTO INSURANCE
Commercial Auto Insurance insures your vehicles for physical damage and liability coverage's for amounts, situations, and usage not covered by a personal auto policy.
This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance.
Our agents at Moinot Insurance Agency will help you find the best coverage you need for your business.
Why do you need Commercial Auto Insurance?
In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary.
use your auto to conduct a service, you may need a commercial auto
liability because of the nature of your work.
to conduct your business may require a commercial auto insurance policy.
auto or if ownership is in the name of a corporation or partnership.
What does Commercial Auto Insurance cover?
Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.
However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?
from an accident for which you are at fault and provides you with a legal
car accidently damages another persons property. It also provides you with
a legal defense.
that apply to bodily injury claims for property damage. A combined single
limits policy has the same dollar amount of coverage per covered
occurrence whether bodily injury or property damage, one person or
the medical expenses of the driver and passengers in your car incurred as
a result of a covered accident regardless of fault.
circumstances, certain property damage caused by an uninsured or a hit-
and-run driver. In some cases, underinsured motorist coverage is also
included. This is for cases in which the at-fault driver has insufficient
replacement of your car from theft, vandalism, flood, fire, and other