Hier Insurance

1
Coverage you are going to get under Commercial
Auto Insurance

• Insurance is kind of a blessing the benefits of
  which are not really visible until and unless you
  really need to claim the policy benefits after an
  accident or incident. Insurance especially auto
  insurance is required by law and is one layer of
  protection for you which enables you to get peace
  of mind in case of a minor of major mishap at
  least in terms of the financial losses that
  generally follow these kinds of mishaps.

2

• Commercial and Business Auto Insurance is one
  insurance that is required by the law of the land
  in LA. This is one layer of protection along with
  the various protection mechanisms you get along
  with the vehicles you are driving. However many
  people who use vehicles to run their business
  errands do not know the exact coverage and
  benefits of having a commercial auto insurance.
  They just get it because the law says so.
  Insurance plans are for the benefit of an
  individual and a business if it is a commercial
  or business insurance plan. Knowing the benefits
  and the scope of coverage of a commercial auto
  insurance will surely let a business owner buy an
  insurance policy proactively and help him to be
  aware of his rights along with file for a claim
  in case there is a damage.

3
Bodily Injury Liability Coverage

• You or one of your employees might be driving
  one of your company vehicle and happens to be
  involved in an accident. The person hit by your
  car is injured or might even pass away. Your
  insurance policy is going to cover for the
  financial aspect in this case including the legal
  defense. This amount is paid even if your car or
  the person driving the car has been at fault.

4
Property Damage Liability Coverage

• This aspect of commercial auto insurance come
  into play if your vehicle damages someone elses
  property. Your vehicle might damage the walls of
  one of your clients while delivering something.
  The legal defense in this case is also taken care
  by the insurance provider.

5
Personal Injury Coverage

• This aspect of business auto insurance makes a
  payment for the medical expenses of the driver
  and passengers travelling in your vehicle in case
  of a covered accident regardless of fault. You as
  a business owner are protected from making any
  payment for any kind of accidents involving your
  vehicle being driven by your employed driver.

6
Uninsured Motorist Coverage

• This aspect of commercial auto insurance makes
  sure that you are amply compensated in case your
  car is hit by an uninsured car driver or a hit
  and run car driver where you dont know from whom
  to claim for the insurance or whom to sue in case
  you want to file a formal complaint and claim
  your property damage. In some of the cases
  underinsured motorist coverage is also included
  and comes into play when the at fault drivers
  insurance does not cover the full damage caused
  to your car or the at fault driver does not have
  sufficient coverage.

7
Comprehensive Physical Damage Coverage

• This aspect of commercial auto insurance makes
  sure that the auto owner is compensated amply for
  any damage caused to his vehicle as a result of
  theft, vandalism, flood, fire, and other covered
  perils. You need to read the fine print or talk
  to your insurance agent for the covered perils
  that might be covered in your commercial /
  business auto insurance policy.

8
Collision Coverage

• In case your vehicle gets damaged as a result of
  being hit by another object other than a vehicle
  or your vehicle hits another object and gets
  damaged for example a wall or a pavement you can
  make a claim and get compensated from your
  insurance carrier.

9

• Commercial and business auto insurance ensure
  that you as a business owner dont have to keep a
  track of your vehicles running on the road for
  your business purposes. Accidents do happen
  sometimes because of human error and sometimes
  because of mechanical failure but a business need
  not suffer losses just because it is heavily
  dependent on carrying out its errands in
  commercial or private vehicles driven by company
  employees. Thus instead of a normal auto
  insurance it is any day better to get commercial
  insurance for your vehicles if they are running
  for your business.