Commercial Auto Insurance in Victorville, CA
Commercial auto insurance is necessary if your business uses vehicles. If you’re curious about coverage options or unsure if you’re adequately covered, Dan Smith Insurance Agency, Inc. is here to assist you.
How Does It Work?
Commercial auto insurance works by insuring your business from losses caused by accidents or liability claims involving company vehicles. In California, vehicles used for businesses purposes must carry minimum liability coverage to help cover third-party bodily injuries, death and property damage in an at-fault accident. Without it, your company may face penalties or be held responsible for payment.
Specifics may vary by insurer, but a standard policy may offer the following coverages:
- Liability coverage may provide coverage in an at-fault accident resulting in third-party bodily injuries, death or property damage.
- Comprehensive coverage may cover damage caused by burglary, fire, flood or vandalism.
- Collision coverage may cover your vehicle’s repair costs after an accident, regardless of fault.
Your agent may recommend additional policies and endorsements, including roadside assistance, auto glass coverage, uninsured/underinsured motorist coverage and more.
How Much Does It Cost?
The cost of commercial auto insurance in California depends on the following:
- Company location
- Number, type and value of vehicles
- Employee driving histories
- Policy specifics (e.g., claims history, deductible)
- Claims history
Does It Cover Employee Drivers?
Commercial auto insurance often extends to employees who drive company vehicles as part of their job duties, though this typically depends on how the policy is structured and who is listed as an approved driver. Some policies also address situations in which an employee occasionally uses a personal vehicle for business errands, though this often requires adding a specific type of coverage to the policy. Driving records for each employee behind the wheel can affect how the policy responds and what it costs. Since coverage for employee drivers can vary by business and policy, employers in Victorville, CA should talk with an agent to confirm exactly who is covered under a specific plan.
What’s the Difference Between Personal and Commercial Auto Insurance?
Personal auto insurance is generally designed for everyday use of a vehicle, such as commuting or running errands, and typically excludes activities related to business operations.
Commercial auto insurance is designed for vehicles used during business, whether hauling equipment, making deliveries or transporting clients. Commercial policies often include higher liability limits and additional coverage options that reflect the increased exposure that comes with business use.
Because using a personal policy for business purposes can create gaps in coverage, business owners in Victorville, CA should speak with an agent to determine which type of policy actually fits how a vehicle is being used.
Can I Insure Multiple Business Vehicles?
Multiple business vehicles can typically be insured under a single commercial auto policy, which often simplifies management compared to handling separate policies for each vehicle. This approach can also open the door to different pricing structures depending on the insurance company and the fleet’s overall makeup. As a business adds or replaces vehicles over time, the policy can usually be adjusted to reflect the current lineup rather than starting over from scratch. Since the best approach depends on the size and structure of a business’s vehicle fleet, owners in Victorville, CA should reach out to an agent to explore how multiple vehicles can be combined under one policy.
Where To Get Coverage
Contact Dan Smith Insurance Agency, Inc. to explore your coverage options or request a quote.