Why you need commercial auto insurance?

Commercial auto insurance is a type of insurance that provides coverage for vehicles that are used for business purposes. This can include cars, trucks, vans, and other types of vehicles that are used by a company or organization. Commercial auto insurance is necessary because personal auto insurance policies typically do not cover vehicles that are used for commercial purposes.

Here are some key features of commercial auto insurance:

• Liability coverage: Commercial auto insurance typically includes liability coverage, which provides protection in case a vehicle causes damage to someone else's property or injures someone in an accident. This coverage can help pay for legal fees, medical expenses, and other costs associated with an accident.
• Physical damage coverage: Commercial auto insurance may also include coverage for physical damage to the insured vehicle. This can include collision coverage, which pays for damage to the vehicle in the event of a collision, and comprehensive coverage, which covers damage from other events such as theft, fire, or natural disasters.
• Uninsured or underinsured motorist coverage: This type of coverage protects the driver and passengers in the event of an accident with an uninsured or underinsured driver. This can include coverage for medical expenses, lost wages, and other costs associated with the accident.
• Medical payments coverage: Medical payments coverage may also be included in commercial auto insurance policies. This type of coverage can help pay for medical expenses for the driver and passengers in the event of an accident.
• Hired and non-owned auto coverage: This type of coverage may be necessary for companies that use vehicles that are not owned by the company, such as rental cars or employee-owned vehicles used for business purposes.

Vehicles that are considered commercial vehicles are those that are used for business purposes. Here are some examples of vehicles that may require commercial auto insurance:

• Delivery trucks (box trucks, cargo vans, and other types of commercial delivery vehicles)
• Service vehicles (plumbing vans, electrician trucks, and HVAC service vehicles)
• Heavy-duty trucks (dump trucks, tow trucks, and tractor-trailers)
• Passenger vehicles (Uber, Lyft, taxis, limousines, and buses)
• Construction vehicles (bulldozers, cranes, and excavators)
• Commercial cars (sales cars, rental cars, and fleet cars)
• Food trucks and Ice cream trucks.