Common Claims Covered by Commercial Auto Insurance

Commercial auto insurance is essential for businesses that rely on vehicles for their operations. It can help provide a safety net against various risks and ensure that your business can function smoothly even after an unexpected event.

Here are some typical claims that may be covered by your company’s commercial auto insurance policy:

• Liability claims are among the most frequent types of claims filed under commercial auto insurance. These claims may help cover third-party injury and property damage claims, up to the policy’s dollar limits, if your driver is at fault in an accident.

• Vandalism, theft, fire or natural disaster claims may be covered by comprehensive insurance. Comprehensive insurance may cover these claims, which may help repair or replace the insured vehicle after a covered incident.

• Claims for physical damage to a company vehicle after colliding with another vehicle or object may be covered by collision insurance.

• Claims for hit-and-run accidents or collisions with an at-fault driver who is uninsured or doesn’t have enough liability coverage to pay for the damage may be covered by uninsured/underinsured motorist coverage.

• Damage or theft of cargo may be covered by cargo insurance.

• Liability after an at-fault accident may be covered by hired and non-owned auto insurance (HNOA) after an accident in a vehicle your business rents. This coverage may also provide liability coverage if employees use their personal vehicles for business purposes.

Commercial auto insurance may include numerous policies and endorsements to help address your risks and liabilities. Your agent can help tailor commercial auto insurance coverage to meet your company’s unique needs.

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Contact Don Ramatici Insurance in Petaluma, California, for an auto insurance quote. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.