Commercial Vehicle Insurance
Whether your company needs to purchase a commercial vehicle insurance policy is dependent on the type of driving its employees do. Our agents will sit down with you and explain your business’s vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.
What are the coverages?
o Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
o Property damage liability coverage – provides you with protection if your vehicle accidentally damages another person’s property and in most cases provides you with a legal defense.
o Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
o Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
o Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
o Comprehensive physical damage coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
o Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.
We understand that you may have questions about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping, and search the country to find you the best rate. Contact us today or call to learn more about your options- or get a free commercial vehicle insurance quote right now!
R. David Bulen Insurance
506 W. Graham Ave. Lake Elsinore, CA 92530
Suite 105 Commercial & Health & Benefits Insurance
Suite 102 Personal Lines Insurance
Mailing address is PO Box 115 Lake Elsinore, CA 92531
Business Hours: 8:00am-4:00pm M-F