What Does Commercial Auto Insurance Cover?

Commercial auto insurance coverage can generally be divided into five areas: 1) Bodily Injury and Property Damage Liability 2) Personal Injury Protection 3) Uninsured / Under-insured Motorist 4) Physical Damage 5) Medical Payments

• Bodily injury and property damage liability: Covers the insured against legal responsibility for causing bodily injury or property damage to others.
• Personal Injury Protection: Provides for medical and rehabilitation costs and wage loss, in case an insured is injured in a car accident.
• Uninsured Motorist Coverage: Provides protection in case an insured is injured by a driver who does not have any insurance. Under-Insured Motorist Coverage: Some states offer uninsured motorist property damage protection.
• Physical Damage: Insurance of property damage to the insured’s car.
• Medical Payments: Provides payment for medical treatment resulting from a covered accident, regardless of who was at fault.

Premium rates tend to be based on many factors, including age, driving record and type of vehicle being insured. To learn more about how to choose the right policy for your business, contact us today and let us talk you through your choices.