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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.

• If you are using your auto to transport goods or people for a fee or if you
  use your auto to conduct a service, you may need a commercial auto
  insurance policy. 

• A commercial auto policy may be appropriate if you need higher limits of
  liability because of the nature of your work.

• Hauling a considerable weight in tools or equipment or towing a trailer used
  to conduct your business may require a commercial auto insurance policy. 

• A commercial insurance policy may be needed if employees operate the
  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?

• Bodily injury liability coverage – pays for bodily injury or death resulting
  from an accident for which you are at fault and provides you with a legal
  defense.

• Property damage liability coverage – provides you with protection if your
  car accidently damages another persons property. It also provides you witha legal defense. 

• Combined single limit (CSL) – Liability policies typically offer separate limits
  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
  several.  

• Medical payments, no-fault or Personal Injury Coverage – usually pays for
  the medical expenses of the driver and passengers in your car incurred as
  a result of a covered accident regardless of fault.  

• Uninsured motorist coverage – pays for your injuries and, in some
  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
  insurance.    

• Comprehensive physical damage coverage – pays for damage to or
  replacement of your car from theft, vandalism, flood, fire, and other
  covered perils.

• Collision coverage – pays for damage to your car when it hits or is hit by
  another object.