Commercial Automobile

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Commercial auto insurance can cover liability and physical damages, collision or comprehensive medical expenses, and damages caused by uninsured and underinsured drivers.

Commercial auto insurance policies provide physical damage coverage for vehicles you own, lease, hire, or borrow in your business. Commercial auto insurance also provides liability coverage for bodily injury and property damage caused to others by using insured business vehicles. 

Collision Insurance

• Pays for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over, regardless of who is at fault. Collision coverage may be required if your vehicle is financed or leased.

Comprehensive Insurance

• It pays for damage to your vehicle caused by causes other than an accident. Such causes may include theft, flood, vandalism, earthquakes, fire, or damage from a bird or animal.

Liability Insurance

• It covers bodily injury to others and any property damage to another vehicle if you are at fault in an accident. Bodily injury pays others’ medical costs, lost wages, and your legal expenses if a lawsuit is brought against you due to an accident.

Uninsured Motorist

• Pays for your injuries or property damage if you’re hit by an uninsured driver or, in some states, an unidentified driver.

Underinsured motorist coverage

• It protects you if the at-fault driver doesn’t carry enough liability insurance to cover your bills unless you live in a no-fault state, where each driver’s auto insurance policy responds to their losses.