What Inclusions Are In The Coverage Of Commercial Auto Insurance?

​Commercial vehicle business is probably one of the riskiest industries that operate globally. To get a safe vehicle is a crucial thing but to get the right coverage for it is a whole different story. There is so much paperwork and processes to make everything secured. It is the company’s responsibility to go through all the filings and make sure both the drivers and the vehicles are safe. This policy aims to help the companies cover the costs and expenses of replacing the car or getting it repaired.

​Why Does Your Business Need Commercial Auto Insurance?
It is different from Personal Auto Policy, and this covers some things that the former does not. If the vehicles tasks are for the operator’s occupation, for business or profession other than commuting, this policy is vital. If your company involved delivery service, transports commodities to the company, you have employees that drive the vehicles; then you must get this insurance for the coverage.

The coverage includes:

• Combined Single Limit or Called CSL – has the same dollar coverage with bodily injury or property damage liability coverage but it may be for either person or several people.
• Uninsured Motorist Coverage – this covers the injuries, and there are instances where it also includes property damage when there is a hit-and-run, and the driver is uninsured, or the at-fault has deficient insurance.
• Collision Coverage – pays the damage to the company’s vehicle during collision whether with another automobile or objects.
• Bodily Injury Liability Damage – covers injury or death caused by an accident where the person is at fault. It also funds the legal defense.
• Property Damage Liability Damage – protects the person when the vehicle he drives hit another person’s property; also includes legal defense.
• Medical Payments – regardless of whose fault, the coverage will pay for the medical expenses of both the driver and the passengers in the vehicle who got into an accident.
• Comprehensive Physical Damage Coverage – when the vehicle is stolen, this coverage will handle the damage. Also, when the automobile suffers from the flood, vandalism, fire, and other unexpected perils.

 
The coverage does not include:

• Damages occurred during civil disturbances or war
• When the employee’s relatives drive the vehicle and wreckage happened
• Injuries caused by moving company vehicles

 
All policies have their limits and boundaries, but that does not lessen the impact of coverage it can give the business and its people. Nevertheless, everyone would benefit with insurance. At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.