Does your business need Astoria, New York commercial auto insurance?
It is not uncommon for business owners to use vehicles without even realizing they have taken what was previously a personal car and converted it—at least partially—to commercial use. This would not be a particularly large problem, except that when these business owners get into accidents in the course of work they will find themselves denied coverage by their personal insurance policies.
When you get into an accident while using a vehicle for work, you need commercial auto insurance. Here are just a few areas in which this type of coverage offers protection.
- Liability: What if you cause bodily injury or property damage? Without your personal auto insurance, could you pick up the tab for repairs, medical expenses and lost wages? With commercial auto coverage, you never have to answer that question since it covers both bodily injury and property damage liability.
- Medical Payments: Generally, your commercial auto insurance policy will step in to pay medical bills for yourself and your passengers regardless of who was at fault in the accident.
- Collision & Comprehensive: If an accident does occur, whether you are behind the wheel or your car was parked overnight, your policy can cover it. With collision coverage, repairs to your vehicle after a collision are covered. With comprehensive coverage, vandalism, theft, fire, flood, and other common dangers are also covered.
This guide can help you start to understand your need for Astoria, New York commercial auto insurance, but in order to fully asses your insurance needs you need to talk to an experienced agent. For dedicated service to help your New York business get full coverage, contact 01 Insurance. As Astoria, New York business insurance experts, we are ready to help local business owners get the right coverage for every work vehicle they own. Call us today!