Do You Need Business Auto Insurance?

    Posted on: December 29, 2015 by Signature Insurance Group

    Many companies use vehicles for business purposes.  While you may think you are covered with your personal or business policies, this is a common misconception. In fact, your personal auto insurance does not cover work vehicles and your business insurance covers the office building and the losses that your business may sustain if something goes wrong. Here is a look at why you may need So Cal Commercial Auto Insurance.

    Commercial auto insurance does not only apply to big rigs but to any vehicle used for business including cars, vans, limousines and pickups. Businesses have different auto insurance concerns than personal drivers do. For example, they usually have higher recommended liability levels due to the fact that they deal with passengers, employees, and work equipment.

    Commercial auto insurance offers the same basic coverage as your personal auto insurance; however there are add-ons that can expand the rate of coverage:

    • Comprehensive and Collision- This covers damages to your vehicle when you are found to be at fault in an accident or are involved in non-collision accidents involving things like weather and tires.
    • Uninsured/Underinsured Motorist- This covers you in the event that you are involved in an accident with a driver who doesn’t have enough coverage or doesn’t have insurance at all.
    • Personal Injury Protection (PIP) and Medical Coverage- This form of coverage helps to take care of expenses that happen due to injury in an accident. PIP covers more than just medical payments with things such as lost wages.
    • Emergency Roadside Insurance- Offers help when stranded on the side of the road with things like battery service, towing expenses and locksmith services.

    At Signature Insurance Group, we understand the importance of making sure that you, your business and your company vehicles are covered in the event of an accident. Call us today at 855.972.9437 for more information on our So Cal Commercial Auto Insurance.

    Posted in: Commercial Auto