Commercial Auto Insurance vs Personal Auto Insurance

Did you know that some business usage and vehicle types may be excluded from your personal auto insurance? The name is somewhat self-explanatory, personal auto policies are not meant for businesses. It is important to know the difference between a personal auto policy and a commercial auto policy.

Commercial Auto Insurance, also referred to as Commercial Truck Insurance, Commercial Car Insurance or Fleet insurance( for more than one vehicle). The business you are in and the type of vehicle that you use in your business can and does vary in the type of vehicle used. The vehicle could be a company car or a variety of commercial trucks or vans. The coverage also includes employees that operate the company vehicle.

Commercial auto polices offer Liability, Collision, Comprehensive, Medical payments, Hired/Non Owned and Uninsured motorist coverage. It is important to remember that there are differences between commercial auto policy and your personal auto policy. Commercial Policies offer these coverage at a higher limit then personal policies.

Knowing Coverage is Important
• Bodily Injury Liability- it will pay for injury or death that results from an accident that you were at fault, most policies cover legal defense*
• Property Damage Liability- coverage if your vehicle accidentally causes damage to another person’s property
• CSL(Combined Single Limit)- A CSL policy has the same amount of coverage per covered occurrence whether bodily or property damage, whether it is one person or several people
• Medical Payments- typically pays medical expenses of driver and passengers in your vehicle that happened in a covered accident , regardless of who was at fault.
• Personal Injury Protection- this coverage provides up to $10,000 in Medical benefits, generally designed to provide these benefits regardless of fault.
• Uninsured Coverage- this covers you for injuries and sometimes certain property damage caused by an uninsured driver or a hit and run driver.
• Under-insured Motorist Coverage- for cases in which the at fault driver has insufficient insurance
• Comprehensive Physical Damage coverage- pay for damage to your vehicle for theft, flood, fire, vandalism and other covered perils
• Collision Coverage- covers you for damage to your vehicle when it hits or is hit by another object

We write for multiple carriers that offer a variety of coverage designed to protect the cargo or people your are entrusted with to safely deliver. You work hard in your business and you deserve to have coverage that works as hard as you do.

Commercial Auto Insurance is very important to you sand your business. Let us protect you with the coverage you need , while you concentrate on getting to you next job site.

We look forward to answering your questions and assisting you with all of your insurance needs.

Texting and Driving

Did you know that it is estimated that texting while driving is about 6 times more likely to result in an accident than driving while intoxicated. In 2011 at least 11% of all auto collisions involved cell phones, that is 1.3 million crashes. Texting is a problem for young and old drivers. Did you know that if you are texting the minimum amount of time your attention is taken away from the road is 5 seconds. If you are traveling at 55mph, in five seconds, you would have traveled the distance of a football field without looking at the road.

Statistics show that texting makes a crash up to 23 times more likely to happen. Thirteen per cent of drivers age 18-20 involved in crashes admit to texting or talking on their cellphones at the time of the crash. Statistics show that 77% of young drivers are fairly confident that they can safely text and drive and 55% think it is easy to text and drive. It is estimated young drivers spend 10% of their driving time, while texting, outside of the lane they are driving in.

Yes, adults text and drive. Surveys show that 15% of young drivers have seen their parents text and drive. Statistics show that 27% of adult drivers have sent or received text messages while driving. One in five drivers of all ages confess to surfing the web while driving.

Did you know there are 39 states plus D.C. that have laws that prohibit texting and driving. Four out of every five accidents are attributed to distracted drivers. The majority of Americans believe talking on a cellphone and texting are two of the most dangerous behaviors that occur behind the wheel, yet drivers still do it.

Regardless of your age, please help make our roads safer for all of us, DON’T TEXT and DRIVE.