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If you ever use a vehicle for business purposes, business auto insurance is a necessity. Without it, you might end up having to pay out of pocket for car accident expenses because personal auto insurance will not cover them. If you and your employees want some peace of mind while on the road, you should learn a little about commercial auto insurance and then obtain a quote for it.

Liability Auto Insurance

Any time you drive for business, there is a chance you will cause an accident. The same goes for your employees who drive while on the job. If you have sufficient business auto insurance with liability coverage, you should not have to pay for the repairs to the car you hit. You also should not have to pay the hospital bills of any people who are injured in the accident, because liability insurance will pay for them. It works just like personal auto insurance does, but for vehicles used for business.

Your liability auto insurance helps to pay costs associated with damages to objects and harm caused to people. For instance, if an employee hits another car while on business and causes damage to that car, the insurance will cover the cost of its repairs. If the occupants of the other car are injured, this insurance will help to pay for their resulting medical expenses or fees associated with a lawsuit. There is a limit on your policy as to how much can be paid out per incident.

Physical Damage coverage

Physical damage coverage is another important portion of your business auto insurance policy. The point of this coverage is to pay for any repairs you need for your company's cars after an accident. Just one part of this type of insurance is comprehensive coverage, which you can use to replace your vehicle if it is stolen. Comprehensive coverage also pays for repairs when your business vehicle is vandalized or damaged due to a natural disaster. Another component of physical damage coverage is collision coverage, which pays for repairs when your car is damaged during a collision of any kind. You can also add specialty coverage to your company cars if you want to be covered for specific instances.

Medical Insurance Coverage

If any accident you cause in a company car results in injuries to other people, you will be glad to have medical insurance coverage as part of your commercial auto insurance policy. That's because having to pay for medical bills out of pocket can be expensive. If you cannot afford to pay them, you could be sued, which may result in you losing your business. This is why it is so important to make sure you have enough coverage to pay for the medical bills of anyone who is injured and needs an ambulance ride to the hospital, the care of a doctor, and even rehabilitation. Take note that you have to add medical insurance coverage to your business auto insurance policy, since it does not come with it automatically.

Uninsured Motorist Coverage

If you are struck by a driver who does not have car insurance, you might have trouble getting your medical bills and car repairs paid for. This may be the case even when the driver who hits your car is simply underinsured and therefore does not have enough coverage to afford your bills. Adding this type of coverage to your business auto insurance policy is a wise way to make sure you will be able to get repairs and medical treatment no matter who collides with your vehicle.

Insurance Lines

general liability workers comp professional liability business owners commercial auto Employment Practices Liability Directors & Officers (D&O) group health surety bonds

Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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