Commercial Auto Insurance

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Every state, with the exception of New Hampshire, requires all drivers to carry auto liability insurance. Coverage is flexible. It may be purchased as a separate policy or as part of a package of coverage that can also protect buildings and business property (equipment, furniture, etc.).

What is covered under an automobile insurance policy?

  • Bodily Injury Liability and Property Damage Liability
    • Liability Insurance covers the costs of damage that you may do to others, including property damage and bodily harm.
    • Property Damage Liability coverage compensates to replace or repair property that you destroy (other vehicles, fences, buildings, etc.).
    • Bodily Injury coverage compensates for medical bills and lost wages.
  • Collision Coverage – pays to repair your own vehicle after an accident.
  • Comprehensive Coverage – pays for damages to your car that were not caused by an accident, such as fire, theft, vandalism, natural disasters, hitting an animal, etc.
  • Medical Payments – compensates for medical expenses for the driver and his/her passengers as a result of an accident, regardless of who was at fault.
  • Personal Injury Protection and No-Fault Coverage
    • Pays for medical expenses and lost wages for the driver and his/her passengers who are injured in an accident.
    • No-fault coverage pays for losses, regardless of who was at-fault in the accident.
  • Uninsured/Underinsured Motorists Coverage
    • Uninsured Motorist (UM) coverage pays for medical bills if you are hit by a driver who does not have automobile insurance or if you are involved in a hit and run accident.
    • Underinsured Motorist (UIM) coverage takes effect when you are hit by a driver who does not have enough automobile insurance to cover all of your medical bills.