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Commercial Auto Insurance  //  What Is Commercial Vehicle Insurance?

Commercial Vehicle Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy.

Why Do You Need Commercial Vehicle Insurance?

Why Do You Need Commercial Vehicle Insurance?

That's a good question. Certain business usage and vehicle types may be excluded from personal policies. Why? Since personal auto policies were not meant for businesses, they are written and rated differently. More important to you — a business owner or manager — businesses often need the particular coverages found in a commercial auto insurance policy.

What Does Commercial Vehicle Insurance Cover?

What Does Commercial Vehicle Insurance Cover?

Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.

What are the coverages?

What are the coverages?

Bodily injury liability coverage - Property damage liability coverage - Medical payments, no-fault or personal injury coverage - Uninsured motorist coverage - Comprehensive physical damage coverage - Collision coverage

When Do You Need Commercial Vehicle Insurance?

Sure, it can be confusing determining when a commercial auto policy is necessary.  In general, if a vehicle is used in tasks related to the operator's occupation, profession or business (other than commuting), a commercial policy is necessary.

  • If you are using your vehicle to transport goods or people for a fee or if you use your vehicle to conduct a service, you may need a commercial auto insurance policy.
  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
  • Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial vehicle insurance policy.
  • A commercial insurance policy may be needed if employees operate the vehicle or if ownership is in the name of a corporation or partnership.

Many business uses and vehicle types may be excluded from personal policies, so be sure you have the right coverage.

Still not sure? No problem. ACE can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles. Call (951) 284-0660 for more information about ACE's commercial auto insurance.


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