Commercial Auto Insurance

Protecting the vehicles that help your business function is critical, but making sure your liability exposure is protected is just as important.  Trends in Commercial Auto 

losses have been very challenging after COVID and the inflationary pressures.  

The insurance market is challenging, and our Tague Alliance Insurance team will work with you to try to find a solution for your business.

Commercial auto insurance in California provides coverage for businesses that use vehicles for work purposes, such as deliveries, transportation, or other commercial uses. Here are some important coverages that a commercial auto insurance policy can provide:

  1. Liability Coverage: Covers bodily injury and property damage to others in an accident caused by the driver of the insured vehicle. California law requires a minimum liability coverage of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage.  Typical Liability Coverage for Commercial Auto Insurance is $500,000, $1,000,000 depending on what each business owner needs for their company.

  2. Collision Coverage: Covers damage to the insured vehicle in the event of an accident, regardless of who is at fault.

  3. Comprehensive Coverage: Covers damage to the insured vehicle that is not caused by a collision, such as theft, fire, or natural disasters.

  4. Uninsured/Underinsured Motorist Coverage: Covers injuries to the driver and passengers of the insured vehicle in the event of an accident caused by an uninsured or underinsured driver.

  5. Medical Payments Coverage: Covers medical expenses for the driver and passengers of the insured vehicle in the event of an accident, regardless of who is at fault.

  6. Personal Injury Protection (PIP) Coverage: Covers medical expenses, lost wages, and other expenses related to injuries sustained in an accident, regardless of who is at fault.

  7. Hired and Non-Owned Auto Coverage: Provides liability coverage for vehicles that are not owned by the business, but are used for work purposes, such as rental cars or employee-owned vehicles.

  8. Cargo Coverage: Provides coverage for goods or products that are being transported in the insured vehicle.

  9. Towing and Roadside Assistance: Provides assistance in the event of a breakdown or other roadside emergency.

It's important to note that the specific coverages provided by commercial auto insurance can vary depending on the policy and the needs of the business.


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