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Commercial Auto:

Commercial Auto Insurance Coverages


Commercial auto insurance provides broad protection that can be important to many people, including truck drivers, snow plow operators, and tow truck drivers, couriers, business owners, and even pizza delivery guys.

Many of the common types of personal car insurance coverage apply to commercial auto insurance, such as:

Bodily injury liability.
Property damage.
Comprehensive.
Collision.
Medical payments.
Personal injury protection (PIP).
Uninsured/underinsured motorist.

As a commercial vehicle driver or owner, you may be required to carry some or all of these coverages. Even if you're not, it's still wise to consider having them. A solid commercial auto insurance plan can save you from a financial disaster, regardless of whether you're an independent contractor or the CEO of a multi-million dollar company.

Take advantage of our information-packed pages on these types of commercial auto insurance coverages to learn about the protection each provides.

Liability Insurance for Commercial Vehicles 

Liability car insurance is the most common required form of personal car insurance in the country, and this is no different for those who own and operate commercial vehicles.

Between local state laws and federal laws for certain businesses that use vehicles to transport goods or passengers over state lines, chances are if you use a vehicle for business, you need liability auto insurance.;

Commercial Liability Auto Insurance

Commercial liability insurance helps protect you from costs associated with injuries or property damage suffered by others in an accident caused by you or your employee in your insured commercial vehicle.

Commercial liability car insurance is broken up into two different coverages:

Bodily injury insurance coverage. Property damage insurance coverage.

Bodily Injury

If, while driving on the job, you or an employee are found to be at fault for an accident that causes bodily injury to another person, this coverage will help pay for costs associated with the injury or injuries.

Bodily injury coverage is often broken up into two limits:

Limit per person (when one person is hurt).
Limit per accident (when multiple people are hurt).

Property Damage

If you cause an accident that results in damage to someone else’s property (e.g., car or house), this coverage will help pay for costs associated with repair or replacement of that damaged property.

Unlike bodily injury coverage, property damage is only tied to one limit (see below).

Combined Single Limit

When purchasing personal car liability insurance, you will probably notice that your policy will include three limits:

Two bodily injury limits. Example:

$25,000 per person.
$50,000 per accident.

One property damage limit.

However, when shopping for commercial auto insurance, you may notice that several commercial car insurance providers offer just one liability limit.

This one limit is called a combined single limit. It is often quite large, with some companies' lowest limits starting at $100,000 and going up to the millions of dollars.

A combined single limit on a commercial auto insurance policy will cover both bodily injury and property damage liability claims.

Having a combined single limit can be beneficial especially in scenarios where one type of liability claim is much higher than another. For instance, if you cause an accident that causes a considerable amount of damage to someone’s property but no bodily injuries, you will have the entirety of your combined single limit to use towards the property damage.

What Is Commercial Property Damage Coverage?

This type of commercial liability car insurance covers the physical damage inflicted on vehicles and other types of property by accidents caused by a driver of one of your commercial vehicles. In order for your liability property damage coverage to apply, the accident must have occurred when you or one of your employees was driving for business purposes.

Commercial property damage insurance can pay to repair or replace properties such as:

Cars.
Fences.
Utility poles.
Flag poles.
Mail boxes.
Houses.
Garages.
Pets.

Property damage insurance can also help pay your legal expenses if your company faces an accident-related lawsuit. However, do note that it will not cover bodily injury expenses.

NOTE: When purchasing this coverage, keep in mind that it does not cover your own property damage.

Combined Single Limits

Commercial liability insurance includes the following coverage types:

Bodily injury coverage. Property damage coverage.

When purchasing liability insurance, you will likely find that limits are set separately for each type of coverage. However, several commercial car insurance companies sell a combined single limit, meaning both bodily injury coverage and property damage coverage are held to one limit that often equals or exceeds the combination of standard bodily injury and property damage limits.

What is Bodily Injury Insurance?

Liability auto insurance, which is the most commonly required form of car insurance throughout the country is comprised of two types:

Bodily injury coverage.
Property damage coverage.

Under the terms of your commercial auto insurance policy, bodily injury coverage will help pay for costs related to injuries suffered by others in an accident caused by you or your employees while operating a vehicle for business purposes.

Bodily injury coverage pays for a variety of the personal injury expenses, such as:

Hospital care.
Doctor's visits.
Prescription medicine.
Rehabilitation.
Home health care.
Lost wages.
Funeral costs.

However, it does not pay for property damages. Also, it does not pay for your own medical expenses or those of your employees. But, it can take care of your company's legal defense fees should the injured party sue your business.

Bodily injury liability insurance can cover a diverse group of occupations, including:

Commercial drivers (CDL).
Couriers.
Floral delivery drivers.
Limo drivers.
Salespeople.
Snowplow drivers.

Physical Damage Insurance for Commercial Vehicles

An overwhelming majority of individuals or companies that use vehicles to conduct business must have commercial liability auto insurance according to most states' laws (and even some federal laws).

Still, meeting only the minimum legal requirements may not provide your business with enough financial protection, especially since commercial liability auto insurance only covers injuries and property damage suffered by others in an accident you cause.

Fortunately, several optional coverage types exist to help bolster your commercial auto insurance policy. This includes physical damage coverage.

Collision

Collision insurance coverage can help you pay for repairs to your commercial fleet vehicles if it is damaged in a collision, overturn, or roll.

If your vehicle is deemed a total loss by your commercial insurance company, your collision coverage will pay you the estimated current cash value (minus your deductible) of your vehicle in order to help replace it.

If your commercial vehicle is damaged in a collision caused by a driver in a different vehicle, that driver's liability insurance should help cover the costs of your repairs.

Comprehensive

Commercial comprehensive coverage will help pay for the repair or replacement of your commercial vehicle if it suffers damages resulting from certain incidents that do not involve traffic collisions.

Types of damages typically covered by commercial comprehensive coverage include:

Fire.
Theft.
Vandalism.
Inclement weather.
Glass.
Collisions with animals.

Your commercial auto insurance company may cover more or different types of damages with comprehensive coverage. Check with your insurance company to make sure you know what's covered.

Uninsured Motorist Insurance for Commercial Vehicles

Nearly every state in the country requires all vehicles driven on public roads to be covered by liability car insurance. This is to help ensure that when an accident occurs, the at-fault driver can pay for property damage or bodily injuries suffered by drivers and passengers in other vehicles. Despite these laws, several drivers continually operate their vehicles without car insurance coverage.

Commercial uninsured motorists coverage can help if you or your employees are hurt, or your commercial vehicle is damaged in an accident caused by an uninsured driver.