Why Your Private Car Needs Commercial Auto Insurance

​Road accidents are costing car owners and drivers millions of dollars in damages and injuries every day. More and more cars are on the road, as the need to go around rises. Whether it’s for work, school, shopping, vacation or running errands, people spend a lot of time in their vehicles.

Are you always on the road because of your work? If you are driving your own personal vehicle for business purpose, and you had the misfortune of running into an accident. Chances are, your personal auto insurance cannot help you.
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What you might not know is, in instances such as this, you need  Commercial Auto Insurance. Your personal auto insurance would only cover for you when your operating your vehicle for personal purpose only.

​What Is Commercial Auto Insurance?
Commercial Auto Insurance covers vehicles that are used for any business-related purposes. It provides protection from potential losses caused by unforeseen circumstances. These encompasses: accident, property damage, liability, weather damage and theft.

Types Of Commercial Vehicles

• Vehicles registered to a business
• Rented or leased by others
• Equipped for:

             - Cooking or catering
             - Snowplowing
             - Other equipment for business or company

• Vehicles used for:

             - Delivery or pickup
             - Messenger service
             - Transporting passengers
             - Limousine service
             - Messenger service
             - Other services

Now you’re thinking, “Why do I need this for my own car?”. Well, if your car is being driven by you or your employee to serve at least one of the functions listed above. Your car is classified as a commercial auto.

Commercial Insurance Coverage
Bodily Injury Liability– This will pay for any bodily injuries or death that have resulted from an accident for which you are found liable.

Property Damage Liability – This provides coverage for accidental damages of someone else’s property.

Collision – This protects you from damages obtained from getting hit or hitting another object.

Medical Payments, no-fault or Personal Injury – This coverage usually pays for medical expenses for the driver and passengers of the vehicle, that was a result of an accident, whoever’s fault it is.

Combined Single Limit – Also known as CSL, offers separate limits that pertains to bodily injuries for property damage. It provides same dollar coverage amount per incident for one person or several.

Comprehensive Physical Damage – This pays for replacement or repairs caused by vandalism, theft, fire and other hazards.

Uninsured Motorist – This covers for injuries and property damages, where the driver who is at fault, was uninsured or underinsured.

Being on the road exposes you to a lot of risk and unpredictable circumstances. To ensure that you’re your business runs smoothly, protect your assets with Commercial Auto Insurance. Let the number one source for insurance help you. At CSIS Insurance Services, Inc., we put our clients first by offering them policies that they can afford. Learn more about our products and services by calling our agency at ​(888) 501-2747. You can also request for a free quote by  Clicking Here.