Commercial Auto Insurance in Dallas, Texas
Businesses that rely on vehicles for their operations should consider purchasing a commercial auto insurance policy. Certain federal or state laws may mandate that commercial vehicles and drivers have adequate commercial auto insurance. If you need commercial auto insurance or want to ensure your business is in compliance with applicable regulations, contact Auto Pilot Insurance today.
What Is Commercial Auto Insurance?
A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.
Understanding Commercial Auto Insurance
Commercial auto insurance is a specialized type of insurance designed to protect vehicles used for business purposes. Whether you own a fleet of delivery trucks, operate a taxi service or use company vehicles to transport goods or employees, commercial auto insurance may help cover accidents, property damage or liability claims arising during business-related activities.
What Does Commercial Vehicle Insurance Cover?
Commercial auto insurance policies typically provide coverage for the following:
- Liability coverage: This coverage may help protect your business against claims for property damage or bodily injury caused by an accident involving your commercial vehicle. It may help cover legal expenses, medical costs and any settlements or judgments against your business up to the policy’s limits.
- Physical damage coverage: Comprehensive and collision insurance may help provide coverage for repairs or replacement of your commercial vehicles if they are damaged in an accident.
- Uninsured/underinsured motorist coverage: If your commercial vehicle is involved in an accident with a driver without insurance or someone with insufficient coverage, this coverage may help pay for damages and injuries incurred by your business.
- Medical payments coverage: This policy may help pay for medical expenses for drivers or passengers resulting from an accident, regardless of fault, up to the policy’s limits.
- Personal injury protection (PIP): This coverage may help pay for accident-related medical costs for drivers and passengers, including hospital and doctor bills, rehabilitation therapy, funeral services and lost income up to the policy’s limits.
- Hired and non-owned auto coverage: If your employees use their personal vehicles for business purposes or your company leases, rents, or borrows cars, hired and non-owned auto coverage may help provide liability protection for accidents that occur while conducting business on behalf of your company.
- Cargo coverage: If your business transports goods or merchandise, cargo coverage may help protect against loss or damage to the cargo being transported. It helps provide financial protection in case of theft, accidents or other incidents that could result in the loss of valuable cargo.
How to Get Commercial Auto Insurance
If your business needs commercial auto insurance, we’re here to help. Contact Auto Pilot Insurance today for a quote or to discuss your commercial auto insurance needs.