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How to Get the Best Commercial Auto Insurance Quotes
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[QUOTE="Chase, post: 169069, member: 586"] [HEADING=2][JUSTIFY][SIZE=15px]Commercial auto insurance is basically a company insurance policy that covers autos owned or used by your company that safeguards your company from liability for damages incurred by accidents involving your company automobiles and provides certain compensation to passengers of your company's autos in case of accidents. It is very important for any organization, no matter what its size to have a commercial auto insurance policy. It acts as a shield and offers protection to your company against the losses that may occur due to accidents involving its automobiles. If you are a businessman who runs an automobile manufacturing company, you will find commercial auto insurance extremely helpful and important for the continued running of your company. For more than a century, it has been a mainstay of different kinds of businesses all over the world and particularly in the United States.[/SIZE][/JUSTIFY][/HEADING] [JUSTIFY][RIGHT][IMG align="right" width="369px" alt="commercial auto insurance"]https://i.imgur.com/vU1DM7M.jpg[/IMG][/RIGHT] [B]What exactly is commercial auto insurance?[/B] Basically, this type of business insurance policy protects your company against liabilities for damages and also compensates for personal injuries that may occur to people or property that happen on the premises of your company. Basically, this coverage also covers the costs incurred due to traffic accidents, like injuries to employees or customers that happen on the company's vehicles. In order to get the best possible commercial auto insurance coverage for your company, you need to contact and compare the different policies that are being offered by different auto insurance companies. You need to also make sure that you only go with those that offer full coverage for all types of autos, liability for accidents, and also those that offer the best possible premium rates. There are a number of different types of commercial auto insurance coverage available. One of the most common is the "[B]collision" or "all risk" coverage[/B], which is basically the most comprehensive coverage offered by commercial auto insurance companies. This coverage mainly provides compensation for damages to any vehicle that meets an accident. It also covers the medical expenses incurred by the other driver, the property damage done to the vehicles by the collision, and also the liability damages that were inflicted by the collision. Each of these types of damages and injuries is subject to a different set of regulations, which means that you need to be very careful when you are choosing the right coverage. Another common type of commercial auto insurance covers damage to the employee or customer of a vehicle in case of an accident. In most cases, the collision commercial auto insurance protects small businesses from having to pay for the damages and medical bills incurred by their vehicles in the course of a collision. Most of these policies also have a "no-fault" clause, which means that the company that has the car insurance policy is not required to file a lawsuit against the driver of the other vehicle involved in the accident. For the company, this means less work for the lawyers, and therefore, it is cheaper for them to have these policies in place. If your company operates a fleet of vehicles, you may need commercial auto insurance for each of the vehicles as well. This type of policy will protect you and your employees and drivers against any claim made against the fleet in the event that one of the vehicles is damaged or stolen, even if it is not used on a daily basis. You can insure one vehicle per policy, but you need to specify that it can be used for business purposes only. Some policies specify that all leased vehicles in the fleet must be insured, and you can specify the number of vehicles you are insuring in this case. However, there is often a limit on the dollar amount of coverage that you can have for each vehicle. Be sure to read the policy carefully before you sign on the dotted line. The type of business you are in will help you determine what kind of commercial auto insurance quotes you are going to get. If you are in a small, regional operation, you will probably want to choose a policy that provides minimum coverage and limits. If you are a larger business with many vehicles and several employees, you may want a more comprehensive policy that provides coverage for theft or damage to the vehicles and personal property. Before you begin shopping around for policies, answer these three questions: how much risk are you actually willing to take, how much coverage do you require, and what kind of business do you conduct.[/JUSTIFY] [/QUOTE]
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