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Commercial Auto Insurance in Victorville CA

A Man and a Woman Working for a Delivery CompanyWhat Is Commercial Auto Insurance? 

If your California business uses vehicles, it’s crucial to understand how commercial auto insurance may help manage risks associated with these assets. Contact Dan Smith Insurance Agency, Inc. in Victorville, California, for a commercial vehicle insurance quote. 

What Does Commercial Auto Insurance Cover? 

Commercial auto insurance offers a financial safety net for businesses that use vehicles for daily operations. Your agent may recommend purchasing at least the minimum commercial auto insurance liability coverage required by California law, including the following: 

  • Bodily injury may help cover medical expenses and legal fees if your vehicle is involved in an accident causing injuries. 
  • Property damage may assist in paying for repairs or replacing another person’s property damaged by your business vehicle. 

If your company finances vehicles, you may also be required to purchase the following policies: 

  • Collision insurance may help fix or replace your commercial vehicle if it’s damaged in an accident. 
  • Comprehensive insurance may help cover non-collision-related damage to your business vehicles, such as theft or weather damage. 
  • Uninsured/underinsured motorist coverage may provide protection if your vehicle is involved in an accident with a driver who lacks sufficient insurance. 

If your company leases or borrows vehicles, you may need hired and non-owned vehicle insurance to help cover your potential liability for third-party damages after an accident. 

Specific risks covered can vary depending on the policy. Consulting with a commercial auto insurance broker, like Dan Smith Insurance Agency, Inc., can help clarify what may be included in your coverage. 

Who Needs Commercial Auto Insurance? 

Commercial auto insurance is essential for California businesses that own, lease or use vehicles for operational purposes. This includes many businesses, from sole proprietors with a single vehicle to large corporations with fleets. 

Contact Us 

Contact Dan Smith Insurance Agency, Inc. today for appropriate commercial auto insurance coverage at favorable rates.