Commercial Vehicle Insurance in Franklinton, LA
Whether you’re operating a large fleet of vans for courier service or using your personal vehicle to make sales calls for your job, commercial vehicle insurance is an important consideration. It’s important to know what usages and types of vehicles are not covered by your personal policy.
Do I need a Commercial Vehicle Insurance Policy in Addition to my Personal Auto Insurance?
We’ll need to speak with you in person in order to accurately assess your vehicle usage and determine your need for commercial auto coverage. But in general, consider the following questions:
- Do you use her vehicle to transport goods or people?
- Do you use your vehicle to perform services as part of your business?
- Do you need higher limits of liability than a personal auto policy will provide?
- Are you hauling loads (tools, considerable weight, a trailer)?
- Is ownership of the vehicle in the name of a business entity rather than a private individual?
- Are employees (individuals other than that named specifically on the policy) operating the vehicle?
If you answered “yes” or “maybe” to any of the questions above, you should consider a commercial auto/vehicle policy. We can help you identify the coverages and amount that you need.
What Does Commercial Vehicle Insurance Cover?
Below are some of the basic commercial vehicle insurance coverages to consider:
Bodily injury liability: Physical injury or death as a result of an accident for which you are at fault. Often also provides you with legal defense.
Property damage liability: Protection if your vehicle damages another person’s property in the event of an accident. Often provides legal defense.
Medical payments, no fault/personal injury: Resulting medical expenses of the driver and passengers in your vehicle that occurred during an accident, regardless of who was at fault.
Uninsured or Underinsured motorist: Injuries and, sometimes, property damage caused by an uninsured or “hit and run” driver.
Comprehensive physical damage: Damage to your vehicle caused by flood, fire, vandalism, theft, and other “covered perils.”
Collision: Damage to your vehicle when it hits or is hit by someone else.
Contact Us Today to Get a Free Commercial Auto Insurance Quote
Give us a call or fill out our online contact form to get in touch with an experienced professional agent that can obtain commercial auto quotes from multiple insurance companies and help you find the one that is right for you. You can also complete a quick quote request form to get started.