When Do I Need Commercial Auto Insurance?

Though a common task, driving is inherently dangerous. Between roads hazards, construction and other drivers on the road, the possibility of an accident is always present. This is why it’s so important to pay careful attention and avoid distractions while driving. Also important is protecting vehicles with the appropriate auto insurance.

All vehicles on the road must be insured according to state laws. This goes for both personal cars and cars, trucks and vans used for commercial purposes. Many people are familiar with the basics of personal car insurance, but as a business owner, do you know about commercial auto insurance?

The type of vehicles you drive for business purposes will determine what types of coverage you need, but the basics are very similar to the coverage options you have on your personal vehicle. These may include:

Liability coverage

Collision coverage

Comprehensive coverage

Uninsured/underinsured motorist coverage

In addition to the basics, some commercial vehicles may need additional coverage. This is particularly true if your business uses these vehicles to carry cargo, chauffer people, make deliveries or other unique tasks.

Your independent insurance agent can help you determine the right types of coverage for your company vehicles, as well as the appropriate policy limits. The important thing is that you understand that maintaining auto insurance on these vehicles is required by law.

You can purchase coverage for each vehicle operated by your business, or you may choose to purchase a blanket policy. In either case, you can rest easy knowing that your business is operating in accordance with the law; and on top of that, you’re vehicles and employees are protected during the course of work.

Get started today. Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City commercial auto insurance.