Do I Need Commercial Auto Insurance?
Commercial auto insurance in Houston will have similarities to the type of insurance you will take out on your vehicle for personal use. There are however difference that make it essential for certain situation such as carrying goods as part of your job or other people that are paying for your service (private hire transportation). The general rule for needing commercial insurance is that if your vehicle is going to be used for work purposes other than getting you to and from work then you are going to need it.
Here are some examples of where commercial auto insurance in Houston will be needed:
- If you are charging for a service to transport passengers or goods
- If you are providing a service using the vehicle
- The nature of your work requires you to have higher liability policy
- You are transporting/hauling large amounts or heavy tools using a trailer
- If employees are to use the vehicle or it is owned by a business
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Most business uses and even some types of work vehicles are excluded from the usual personal policies, which is why it is so important to ensure you have commercial auto coverage in Houston. If you are going to use your personal vehicle to start up your own business or to transport goods or people as part of your job, you should check whether your current policy still covers you.
What does commercial auto insurance Houston cover?
Coverage for bodily injury liability – this type of cover will ensure that any injury or death that you are proven to be at fault of while driving is covered. Most also cover legal defense costs.
Cover for property damage – If your vehicle causes damage to property that doesn’t belong to you, then this will cover the cost. In the case of a court case the legal fees are usually covered too.
CSL – This stands for combined single limit liability which basically means that accidents whether the 1st or 3rd are covered by the same amount. Whether the claim is for injury to a person, property damage, to one person or more.
Medical payments – Cover the expense of medical attention needed for the driver and any passengers that are injured during an accident. No fault coverage usually covers these costs whether the driver or another person is at fault.
Uninsured driver cover – Should you be hit by another driver who does not have insurance or drives off before their details can be taken, this element of commercial auto insurance in Houston will cover injuries sustained by you and passengers of your vehicle and in some cases property damage or loss too!
Comprehensive cover– For damage will cover costs of damage caused by theft, vandalism and other possible perils such as flood or fire.
Collision coverage – covers the vehicles damage if it comes into contact with another object that is not a vehicle such as an object falling on it.
Having the right commercial truck insurance in Houston will ensure you are covered should you be involved in an accident where damage is caused to your vehicle and that of others. Not having the right insurance could leave you liable to the cost of repairs, medical bills and legal fees for not only yourself but other involved parties too!