COMMERCIAL AUTO

Sometimes it can be the weather, human error, or a

combination of both, but either way, with the proper insurance

you can protect against uncontrolled depreciation of your asset.

Find out how insuring your commercial auto assets can help today.

WHAT IS COMMERCIAL AUTO INSURANCE?

Commercial Auto Insurance is a way for you to transfer the risk and costs associated with auto accidents and even theft. With the proper insurance, you can protect your financial investment in your vehicles and in your business by transferring liability to an insurance carrier who will not only defend you in court, but pay claims up to your insurance limit on your behalf if you are sued over an accident. In addition, if you are in an accident caused by someone else who either has no auto insurance, underinsured, or even flees the scene, then you could be reimbursed for the damage to your vehicle.

PROTECTS AGAINST THEFT

PROTECT AGAINST BODILY INJURY

PROTECTS AGAINST PROPERTY DAMAGE

COMMERCIAL AUTO INSURES AGAINST:

First-Party
- Insurance that reimburses the owner or occupant for damage or loss of use to your vehicle.
- Could reimburse you for the theft of a vehicle.
Third-Party
- Insures against the property damage or bodily injury of others caused by an accident.
Helps Maintain Financial Requirements By Law
- Insurance provides limits that help you meet the financial requirements of the state to operate a vehicle.
Medical Payments of Occupants
- Could provide medical reimbursement to occupants of a covered vehicle for an accident.

“Sometimes it can be the weather, human error, or a combination of both, but either way, with the proper insurance, you can protect against uncontrolled depreciation of your assets”.

COMMONLY ASKED QUESTIONS ABOUT COMMERCIAL AUTO:

Do I need a Commercial Auto Policy if I use a personal vehicle for work?
- In most cases, a Personal Auto Policy (PAP) excludes coverage for a personally owned van or truck is used for a personally owned business. If you happen to use your van or truck for a business you own, you may not have coverage under your (PAP) and should purchase Commercial Auto Insurance.
If my vehicle is paid off, do I still need insurance?
- Yes, to meet the compulsory financial responsibility laws of Texas, you need to have certain limits of third-party liability insurance. Still, you are not required to purchase first-party physical damage coverage.
If I am at fault in a car accident, will insurance pay for the damage to my vehicle?
- Yes, but only if you have purchased first-party physical damage coverage, which could reimburse you for the damage of your vehicle even if you are at fault for causing a car wreck.