Importance Of Commercial Auto Insurance in Fairmount and Jasper, GA

Posted by payneinsuranceduplicate on August 15th, 2023

 Every business has its mode of operation. Each business requires some and of transportation either to make client visits or to deliver products. Renting a vehicle may be the best solution when the need for traveling is limited to a few days a month. Frequent travel necessitates using a car specifically meant for business use. Buying car insurance for the owner will not suffice here, though. The business owner needs to think of purchasing commercial auto insurance in Fairmount and Jasper, GA, instead.

Such a statement may leave many small business owners worried. Most of them drive their vehicles and carry the requisite Insurance too. Adding to that expense seems to be an extra they can ill afford. It is essential to check the related facts and do accordingly so that the business and vehicle remain well protected despite the odds. Moreover, commercial auto insurance may be mandated by the state too.

Need to be covered by commercial auto insurance

There are several reasons for buying this Insurance. The coverage will save one financially when one has to bear the medical expenses and pay for damage repair of the vehicle. This type of auto insurance includes liability coverage too. This will pay the legal costs, with settlement costs being paid by the carrier. Any other damage to the vehicle apart from a collision on road accident will be covered as well. The insurance policy may be used to pay for repairs when the vehicle is damaged by vandalism, natural disasters, or animals or is lost due to theft.

Individuals covered by this insurance policy

Anyone driving the vehicle on behalf of the company will be protected by insurance coverage. The car owner, as well as company drivers or any other employee who drives the vehicle for business purposes, can file the claim

Vehicles that Insurance may cover

· Company cars

· Box trucks

· Commercial trucks and van

· For-hire livery

· Food trucks

· Tow trucks

Commercial auto insurance coverage

The Insurance has a wide range of coverage that includes the following:-

· Bodily injury liability insurance

· Collision insurance

· Comprehensive Insurance

· Property damage liability insurance

· Medical payments (MedPay) coverage

· Combined single limit (CSL)

· Personal injury protection (PIP)

· Uninsured motorist (UM) coverage

· Underinsured motorist (UIM) coverage

Additional Coverage

Business owners who find the abovementioned coverage inadequate can always opt for extra coverage to keep the risks minimal. Some of the additional gains that one may obtain include the following:-

· Gap Insurance

· New vehicle replacement

· Roadside assistance insurance

· Rental car reimbursement

Individual car owners must buy basic car insurance in Jasper and Dawsonville, GA, to comply with State laws. Most people find the basic coverage to be woefully short of the necessity. The car owner can choose to buy additional coverage to remain fully protected from all possible risks.