Cars that are used for business purposes need commercial auto insurance. Your personal auto insurance is most likely not sufficient to cover a business vehicle. This is especially true if your business vehicles are often on the road, such as a delivery van. A commercial auto policy can cover multiple drivers and multiple automobiles. It is likely required by law to have this coverage for your business vehicles. Anyone who owns a business that uses cars in the operation of that business needs this coverage. Commercial coverage is a good idea whether you have two cars or a fleet of trucks.
You buy insurance for the vehicles. If an accident occurs, then you file a claim with your insurance company. The company will verify the claim, and then help you financially should a covered event occur.
You can customize your policy with different types of coverage. It’s probably best to get full coverage, which includes liability, collision, and comprehensive. You do have the option to get liability only, but that leaves you vulnerable should an uncovered event occur.
The benefit of commercial auto insurance is it insures your cars. You can rest assured that Joe Cook & Associates will help when something goes wrong.