Commercial Vehicle insurance in California
The coverage for commercial vehicle insurance in California is up to the package you purchase, the type of your business, and your preferences. If the risk is too high, you can include other options in it or buy a higher policy.
The packages we provide at David Elist insurance are to cover various aspects of payment.
Here are some of the coverages to get familiar with them:
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Collision coverage
- Comprehensive coverage
- Towing and labor coverage
- Loading and unloading coverage
- Bobtail coverage
Do you need Commercial auto insurance in California?
The answer is everyone who has a company that utilizes vehicles for business purposes must have auto insurance whether the company owns the vehicle or manages a feel of vehicles owned by other people.
Also, state law requires you to have commercial auto insurance. You must have a minimum liability limit of:
- $15,000 per person,
- $30,000 per accident for bodily injury
- $5,000 for property damage
The amount could increase to the mentioned factors below.
Also, the large type of cares have much higher liability insurance.
The personal auto insurance drives cover them while driving and doing personal things but for a business purpose:
- Making deliveries,
- Picking up supplies
- Salespeople
- Transport clients
- Get to a destination on schedule
- Office pickups
Commercial auto insurance in California policy will cover the driver and the vehicle if it’s his/her fault for an accident during work-related driving.
The type of vehicle doesn’t matter for business usage:
- Bakeries
- Real estate agents
- Cleaning services
- Rideshare
- Contractors
- Non-emergency medical transport
- Single pickup truck,
- Food truck,
- Semi-trucks
- Tractor trailers
- Tow Truck
- Heavy Truck
- Food Truck
- For-Hire Livery
- Food trucks
- Pizza delivery
- Landscapers
- Caterers
Whatever type your vehicle is, you must have commercial insurance for it.
Why is Commercial auto insurance in California important?
Without proper commercial vehicle insurance in California, your business could pose risks and jeopardy, whether legal or financial. Any form of business that owns and uses vehicles must have and carry auto liability insurance.
If one of the vehicles has an accident and it’s the driver’s fault, your company could face a lawsuit or settlement that coast a lot of money for the company.
There are a lot of items that you have to pay for, and it costs a fortune for the company;
- Vehicle
- Property
- Medical bills
- Lost wages
- Pain and suffering
- Any other related costs
Also, if you don’t have commercial auto insurance in California, you could face severe penalties for it. It is possible to receive a fine of about $350 for not having insurance. Your vehicle is likely to get impounded, and you will have to pay higher insurance rates in the future.
If you repeat the offense, the fine could increase to about $1,800, and your driving license might be suspended for up to four years.
How much does Commercial auto insurance in California cost?
Teh cost of your commercial vehicle insurance in California is up to various factors and elements. The following are some of the items that you can see to get familiar with them;
Your cost is based on a few factors, including:
The number of vehicles
- The Number of vehicles
- Vehicle type and value
- How much risk is involved with the work
- Claims history
- Employee driving records
- Policy limits and deductible
- Profession
- Location
- The type of cargo
- Coverage needs
- Driving history
You would better give David Elist insurance a call and explain your case to us. We will guide you on the cost of your commercial auto insurance and tell you how much you have to pay.
Best Commercial auto insurance in California
David Elist is the best auto insurance in California you can get for your vehicle. Give us a call at
818-999-9737 to know about our policies. Our experts advise without any charges and guide you to pick the best policy.
You can ensure the insurance policy coverage suits your job and the type of business you do.
We have provided the best insurance policy services to California residents for a long time. Our purpose is to provide you peace of mind about your business and vehicles. You must not suffer financial loss due to accidents or unwanted cases.
What type of commercial auto insurance does David Elsie cover?
David Elist’s insurance covers a wide range and types of items in the insurance coverage. Here are some of the samples provided in our commercial auto insurance in California:
- Collision coverage
- Medical payments coverage
- Comprehensive coverage:
- Bobtail coverage
- Loading and unloading coverage
- Towing and labor coverage
Give us a call to know exactly what is covered in your insurance policy and what the benefits are.
Frequently asked questions about Commercial auto insurance in California
Do I have to get Commercial auto insurance in California?
Yes, it’s mandatory to get Commercial auto insurance in California if you have a vehicle used in business activities.
Can I get fined for not having Commercial auto insurance in California?
Yes, you are likely to get fined, your driving license might get suspended, and you pay a higher insurance rate later.
How much is Commercial auto insurance in California?
It’s up to your car, business, driving history, and a few other factors. Give us a call to know the exact amount.
