What Is It?
Auto liability insurance is an important part of owning a car or truck. It provides financial protection in the event of an accident caused by your vehicle
Who's It For?
- For Hire Dump Trucks
- Long Haul Truckers
- Produce Haulers
- General Freight Haulers
- Amazon Freight Haulers
- Intermodal Carriers
What Is Offered?
- Bodily Injury Liability
- Property Damage Liability
Auto Liability Insurance in California
What is Auto Liability Insurance and What Does It Cover?
Liability insurance is a type of insurance policy that provides protection against any liability incurred as a result of an accident involving a vehicle being used for business purposes. Other names it goes by are Auto Liability, Primary Liability or Vehicle Liability. This type of coverage is typically required by law in most states, including California, and it helps protect businesses in the event of an accident that results in property damage or bodily injury to another person.
Commercial auto liability insurance covers the cost of repairs to any damaged property, medical expenses, legal fees, and other costs associated with the accident. It also covers any liability that the business may incur from third-party claims.
In California, commercial auto liability insurance requires at least $750,000 combined single limit (CSL) in coverage for liability related to any single accident. California auto liability insurance is a great way to ensure that your business is covered against any potential losses caused by an automobile accident. If you have a commercial truck, you may want to look into getting full coverage. This type of coverage will provide even more protection than regular California auto liability insurance, and it can be tailored specifically to the type of vehicle being used for business purposes. With the right coverage, you can rest assured that your business is protected against any losses that could arise due to an automobile accident.
Having California auto liability insurance should give you peace of mind when operating a vehicle for business purposes. It’s important to research all your options when shopping for commercial truck insurance to make sure you’re getting the best rate possible. Additionally, make sure to compare California auto liability insurance quotes so you’re not overpaying for the coverage you don’t need. Doing so can help save you money while still providing adequate protection for your business.
Do I Need Commercial Auto Liability Insurance, If I Use My Personal Vehicle for Business?
Yes, if you use your personal vehicle for business, you should strongly consider getting commercial auto liability insurance. This type of insurance will provide you with financial protection in the event of an accident while using your vehicle for business purposes. While you may have personal auto insurance, it will not cover you for any liabilities incurred while using your vehicle for business.
Commercial auto liability insurance is designed to protect you from the costs associated with bodily injury and property damage caused by the use of your vehicle for business purposes. This type of policy typically covers medical expenses, lost wages, legal fees, and property damage. Depending on the provider, your policy may also cover things like uninsured motorist coverage, collision coverage, and other types of losses related to the use of your vehicle for business purposes.
It is important to note that different states have different requirements when it comes to commercial auto liability insurance. In California, if your truck is $10,001 lb or more the state requires you to have a minimum amount of liability coverage. It is important to speak with an experienced insurance agent to determine the exact coverage limits you should have for your particular business needs.
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Are you looking for General Liability Insurance?
General Liability Insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.
How Much Does Auto Liability Insurance Cost in California?
The cost of commercial auto liability insurance in California will depend on a variety of factors, such as the type of vehicle being insured, the business’s claims history, and any additional coverage purchased. The average monthly premium for commercial auto liability insurance in California is $1,500 and $3,500. However, premiums can range anywhere from a few hundred dollars to several thousand depending on the business’s circumstances.
It’s important to remember that auto liability insurance is only one type of coverage you may need when it comes to protecting your business’s vehicles. Depending on the type of business you operate, you may also need comprehensive coverage, collision coverage, uninsured or underinsured motorist coverage, medical payments coverage, and more. Speak with an insurance agent to determine the type and amount of coverage you need to adequately protect your vehicles.
How Do I Get Auto Liability Insurance?
If you operate a business in California and use any vehicle for business purposes, you need to secure commercial auto liability insurance. In order to get the right coverage, you should speak with an insurance agent who specializes in commercial auto liability insurance. They can help you determine the best policy and provide you with quotes from multiple insurance carriers.
When you meet with your insurance agent, they will need to know the make, model and year of all vehicles used for business purposes. You will also need to provide information about the type of business you are running, as this will affect the kind of coverage you need and the amount of premium you will pay.
Your agent will be able to assess the risk associated with your business and recommend the best policy for your specific needs. They can explain the details of the various types of auto liability insurance coverage available, such as Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Uninsured Motorists Coverage and Comprehensive Coverage.
Once you have chosen a policy and coverage, your insurance agent will provide you with a quote and policy documents. Be sure to read these documents carefully and ask any questions that you may have before signing them. When you sign the documents, you will be officially covered by your commercial auto liability insurance policy.
Need Commercial Truck Insurance in California? We've got you covered
We can customize a California commercial truck insurance program to meet your specific requirements. This might vary from comprehensive coverage to liability-only coverage.
Auto Liability Insurance For All Vehicle Types
We can insure almost every sort of commercial vehicle. The following are the most often seen. If you’re searching for anything in particular, give us a call; we’re happy to assist you.
Auto Liability Insurance in CA? We've Got You Covered!
Regardless of the city in which you operate, we can assist you in putting together a competitive California Auto Liability Insurance plan. We can assist you in any part in California, including…
States We Can Offer Auto Liability Insurance
We are here to help you obtain a superior Auto Liability Insurance.
Resources for California Truckers
California Trucking Association (CTA)
The California Trucking Association advocates, promotes and defends California’s trucking industry.
California Department of Transportation (Caltrans)
The California Department of Transportation oversees California’s infrastructure mainly roads, underpasses and highways.
California Department of Insurance (CDI)
California Department of Insurance is the regulatory body that oversees the California insurance industry.
Federal Motor Carrier Safety Administration (FMCSA)
Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States. Their job is to keep our roads and highways safe.