Any vehicle that you use for business purposes should be covered by commercial auto insurance, or generally, any vehicles you own solely for work purposes must be covered by a commercial auto policy, whether you own a single pickup truck, a food truck, or a fleet of semi-trucks and tractor trailers.
Following are some of the most prominent vehicles that are covered by commercial auto Auto Policies.
- Work vans
- Delivery vans and delivery trucks
- Food trucks
- Construction vehicles, including forklifts
- Dump trucks
- Company cars
- Box trucks
- Service utility trucks
Along with commercial car insurance, it is possible for you to receive collision coverage as well as liability coverage. In other words, the drivers who drive the vehicles will be able to get coverage under the commercial auto policy. When you encounter an accident, you can get the repair cost of the vehicle as well as the medical expenses of the involved driver from your insurance policy.
If you have been driving the vehicle, you can cover all your medical expenses. One of the most important facts that you need to keep in mind when you go ahead with cheap commercial auto insurance in California is that all the premiums will be tax-deductible. In other words, you will be able to write off the cost of cheap commercial auto insurance as a business expense. Hence, you will get the opportunity to reduce the amount of taxes that you will have to pay for a financial year.
How Do You Locate the Best Commercial Auto Insurance?
When you start looking for a commercial auto insurance policy, you will notice that there are numerous options available to consider. It is important for you to locate the best option out of them and proceed. This is where you will need to pay attention to a few important factors.
For example, you should take a look at the basic coverage options for collision and liability. On the other hand, you should be focusing on the add-on coverage option for rental vehicles and trailers.
You may also take a look at deductible amounts, insurance premiums, covered vehicle types, and premium discounts to end up purchasing the best and most cheap commercial auto insurance in California available in the market.
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