Commercial Auto Insurance in Decatur, GA
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Commercial Auto Insurance to fit your budget and needs
Low Cost Commercial Auto Insurance in Decatur, GA
What Does Commercial Auto Insurance Cover?
Commercial auto insurance is pretty much what it sounds like: car insurance for commercial vehicles. You use it to pay for damage to your business fleet whether this is caused by a crash, vandalism, or even acts of nature. It also offers liability coverage to back you against medical bills and lawsuits.
You might think that a standard car insurance policy is enough, but not only will these policies not offer the right coverage, if it is found you were using your vehicle for business-related purposes, your claims will be denied and your policy canceled.
How Business Auto Insurance Protects You
To understand how your business vehicle insurance protects you, you need to know the four major types of coverage it offers:
- Auto Liability Coverage: Helps to pay for damage to property or injuries to persons that are caused by your vehicle. It also helps cover legal expenses related to an accident, such as lawyer fees or any settlements you need to pay.
- Medical Payment Coverage: This pays for medical bills for you or your passengers when harmed in a crash involving your vehicle.
- Physical Damage and Collision Coverage: With this coverage, damage to your vehicle is covered if it happens outside of an accident. Think theft, vandalism, and hail. Additionally, collisions with objects rather than other vehicles are also covered in this.
- Uninsured Motorist Coverage: Essentially, if someone else is at fault for the accident and they don't have insurance or they are underinsured, your policy steps in to cover everything.
Do I REALLY Need Commercial Auto Coverage If I Have a Personal Auto Policy?
In most cases, yes. However, this isn’t a universal truth. If you use your personal vehicle to commute to your business and just occasionally to meet a client, your personal policy is likely fine. However, if the following are true, you need a commercial policy.
- You drive your personal vehicle for business purposes on a regular basis.
- Your vehicle is registered to your business.
- Your employees drive your car for business purposes.
Remember: Commercial Car Insurance Isn't All You Need
Contact Info
- 2373 Lawrenceville Hwy, Decatur, GA 30033
- (404) 633-3333
- susan@focusins.net
- melinda@focusins.net
- Mon - Fri 8:00 am - 6:00 pm
