What is Commercial Car Insurance?

Commercial car accidents are handled in the same way as other types of accidents, but there is an added liability for your business if your commercial vehicle is not properly insured. To minimize your liability, you need to choose the right level of coverage for your commercial vehicle so that your costs are covered in event of an accident. Some of these include:  

Liability coverage– including bodily injury liability and property damage liability coverage for accidents caused by the driver of your vehicle   
 
Collision coverage– after an accident, collision coverage helps pay to replace or fix your vehicle   
 
Comprehensive coverage– this helps pay for your business vehicle repairs if the car is damaged from something other than a collision (such as theft, fire, vandalism, or hail) 
 
Uninsured/underinsured motorist coverage– this helps pay for your employee’s medical bills or car repairs if they are in an accident that is caused by another driver who does not have enough liability insurance to cover the expenses 
 
Rental car coverage– this helps pay for the cost of renting a car that you can use for your business while your vehicle is getting fixed or replaced