Car insurance is essential for protecting your finances, complying with the law, and ensuring that you’re covered in case of unexpected events while driving.
Personal Auto
Personal auto insurance provides essential coverage for your personal vehicle, protecting you and others on the road. Key coverages include:
Liability Coverage: Pays for damages or injuries you cause to others in an accident.
Collision Coverage: Covers repairs to your vehicle if you're involved in an accident, regardless of fault.
Comprehensive Coverage: Protects against non-collision events like theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage: Helps cover your expenses if you're in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers after an accident.
Benefits:
Personal auto insurance gives you the peace of mind that you are financially protected in case of accidents, theft, or other unexpected events. It meets legal requirements for driving, ensures coverage for both you and others on the road, and can be tailored to suit your needs, keeping you safe on every journey.
Commercial Auto
Commercial auto insurance provides coverage for vehicles used for business purposes, offering protection that goes beyond personal auto insurance. It’s designed to cover company-owned cars, trucks, or other vehicles used for business operations. Key coverages include:
Liability Coverage: Pays for bodily injury or property damage caused by your vehicle during business activities.
Collision Coverage: Covers repairs to your business vehicle after an accident, regardless of fault.
Comprehensive Coverage: Protects against theft, vandalism, and damage from non-collision events.
Uninsured/Underinsured Motorist Coverage: Helps cover costs if your business vehicle is hit by an uninsured driver.
Medical Payments Coverage: Covers medical expenses for injuries sustained by employees or passengers in the vehicle.
Benefits:
With commercial auto insurance, you gain peace of mind knowing your business vehicles are covered, whether they’re being used for deliveries, transporting goods, or commuting between job sites. This coverage helps safeguard your business from unexpected expenses and liabilities, ensuring you stay focused on what matters most.
Personal Auto Insurance: If you're using your vehicle exclusively for personal activities and not for any work-related tasks, personal auto insurance is sufficient.
Commercial Auto Insurance: If your vehicle is used for business purposes (such as delivering goods, carrying tools, or transporting employees), commercial auto insurance is required to ensure comprehensive coverage.