West Babylon, New York Commercial Auto Insurance
Commercial Auto Insurance insures your vehicles for physical damages and liability coverages not covered by your personal auto policy. This is often referred to as commercial car insurance, truck insurance, or fleet insurance but covers a wide variety of vehicles. We can help you find the best coverage available for your business!
Why do I need New York Commercial Auto Insurance? - In general, if an auto is used in tasks related to the operator's occupation, profession, other than commuting, a commercial policy is required.
- If you are using your auto to transport materials or people for a fee or if you use your vehicle to perform services, you may need a commercial auto insurance policy.
- A commercial auto policy may also be necessary if you need higher limits of liability because of the type of work you do.
- Often a commercial insurance policy will be needed if employees operate the vehicle or if auto is registered in the name of a corporation or partnership.
- A commercial auto policy may also be necessary if you need higher limits of liability because of the type of work you do.
What does Commercial Auto Insurance cover?
Much like a personal auto policy, Commercial Auto Insurance provides coverages such as liability, collision, comprehensive, medical payments, and uninsured motorists coverage. However, there are also some differences between the two that may include eligibility, definitions, coverages, exclusions, and limits.
What are the different coverage options?
- 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.
- Combined single limit (CSL) – Liability policies usually 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.
- Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
- Medical payments, no-fault or Personal Injury Coverage –often pays for the medical expenses of the driver and passengers in your car incurred because of a covered accident regardless of fault.
- Property damage liability coverage – provides you with protection if your car accidentally damages another person’s property. This provides you with a legal defense.
What does “named driver only” mean?
Most Commercial auto policies are "named driver only" policies. This means only those drivers listed on the policy can operate a covered auto.
Providing Commercial Auto Insurance in West Babylon, New York
With many different options, commercial car insurance can be confusing. We can help you with your commercial vehicle insurance needs in West Babylon New York including the Baldwin, Freeport, Merrick, Rockville Centre, and West Hempstead areas. So contact one of the agents at Gregg Stephens Insurance for your New York commercial auto insurance needs.