Commercial Auto Insurance
Commercial Auto Insurance Quote Forms
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Commercial Auto Insurance Information
If your company uses vehicles during daily business, an auto insurance policy can help provide financial protection from liabilities and losses related to a car accident.
Contact Johl & Company in Westwood, New Jersey, to start building your personalized commercial car insurance policy.
Who Needs Commercial Car Insurance?
The state of New Jersey requires all businesses within the state using vehicles for regular business activity to carry commercial auto liability coverage.
If you finance or lease vehicles, your lienholder requires full coverage insurance, which may include comprehensive, collision and gap coverage.
How Commercial Car Insurance Works
Commercial car insurance is a contract between an insurer and a company that provides financial protection for certain events beyond the company’s control, including covered accidents and incidents involving third-party injuries or property damage.
Your commercial car insurance policy can help pay for your company’s legal liability after an at-fault accident. It may also help pay to fix or replace your company’s vehicle after an accident, depending on the coverage you choose.
Personal auto insurance policies might not provide coverage for accidents if the vehicle is being used for business purposes. Hired and non-owned auto insurance (HNOA) can help protect your business and the vehicle’s owner if you or your employees use personal vehicles for work purposes.
What Does Commercial Car Insurance Cover?
Commercial car insurance tailored to meet your company’s needs can help you avoid much of the financial strain associated with an at-fault accident. New Jersey requires that your policy meet its minimum liability limits with the following coverage:
Bodily injury liability may help pay for the costs of third-party injuries after a covered at-fault accident.
Property damage liability may help pay for the costs of third-party property damage after a covered at-fault accident.
Personal injury protection (PIP) may help cover the driver’s medical expenses, work-loss costs (and funeral costs if appropriate) after a covered accident, regardless of who was at fault.
Depending on your company’s risks and exposures, your agent may also recommend that you purchase the following optional coverage:
Collision insurance may help pay for damages to the covered vehicle after colliding with another vehicle or object.
Comprehensive insurance may help pay for non-accident-related damages, including weather damage, fire, vandalism, or theft.
Uninsured/Underinsured motorist insurance may help cover damage to your company vehicle if you are in an accident with a driver who doesn’t have appropriate (or any) insurance coverage.
GAP insurance may help cover the financial gap between the amount you owe on your company vehicle and the settlement from your insurance company after an accident that renders the vehicle a total loss.
Your agent may also recommend additional commercial auto coverage, including:
Contact Johl & Company today to get personalized quotes for commercial car insurance.