Purchasing Commercial Auto Insurance in San Jose can be a confusing process, especially for those who are new to purchasing commercial insurance and are not aware of the areas of coverage they need. Knowing what policy type to purchase, who to cover, and what will be covered is vital for making a sound purchase. This information seeks to help business owners ensure they are making the right purchase when it comes to commercial auto insurance coverage.
There are several areas of coverage a business owner should consider purchasing (some of these are required by law):
* Property damage liability
* Bodily injury liability
* Personal injury coverage for employees (Includes medical expenses and lost wages)
* Collision coverage for damages to the employee vehicle when the employee is at fault
* Comprehensive damage coverage for vehicular damages that occur outside of an auto accident
* Medical payments for the cost of medical bills, hospital stays, and funeral costs
* Uninsured motorist coverage
* Non-owned coverage in the case of the use of rental vehicles
* Liability coverage for loading and unloading
* Temporary vehicle replacement while waiting for repairs
* Towing and labor costs for repairs
To ensure a company owner is properly covered with the right level of Commercial Auto Insurance in San Jose, it is imperative they meet with an insurance agent who understands the unique needs a small business has. It is vital a business owner fully reviews their policy before they sign, especially paying careful attention to the fine print which often details the policy’s exclusions.
One of the biggest mistakes company owners make when purchasing commercial auto insurance is not purchasing enough coverage. A lack of coverage can greatly cost a small business owner, should an accident occur. It is always better to have more coverage than is needed than to have too little.
If your company is in need of commercial auto insurance coverage . They will provide you with the insurance coverage you need, at a price you can afford. Call them today and they will be happy to go over your coverage needs and help you choose the perfect policy. With a commercial auto insurance policy, you can rest assured you and your employees will be protected.
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