Solvang car insurance agent reports the top reasons for commercial auto insurance

  • Commercial vehicle insurance covers vehicles that are used exclusively for business such as delivering merchandise, driving to client sites, performing certain transportation services for a fee and other uses that are related to the business. Commercial vehicle insurance also covers licensed employees who have permission to drive company vehicles.
  • Personal vehicle insurance only provides coverage for accidents while driving for personal use, including commuting to and from work. Because of the increased risk of business use, most personal vehicle policies exclude business use and if there is an accident while driving for a business-related matter, the claim is most likely rejected.
  • Liability covers injury or property damage and personal injury and medical payment coverage helps pay for injury and funeral expenses
  • Comprehensive coverage helps repair or replace a covered vehicle that is damaged or lost due to something other than a traffic accident
  • Collision coverage helps pay for a damaged vehicle
  • Uninsured and underinsured motorist coverage helps pay for medical bills and property damage when the other driver isn’t insured or is underinsured

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