Commercial vehicles and personal vehicles used for work will not be covered under a personal auto insurance policy. Commercial auto insurance is designed to cover these vehicles in the event of an accident.

Most states also require commercial auto insurance for businesses. Indiana businesses must carry at least:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability

These policies offer a lot of the same coverages offered by personal auto insurance policies, such as:

• Comprehensive Coverage: This provides compensation for damages to the insured vehicle due to fire, wind, hail, falling objects, theft or vandalism.
• Collision Coverage: This provides compensation for damages to the insured vehicle due to collision with another vehicle or object.
• Liability Coverage: This covers bodily injury and property damage caused by the insured driver.
• Medical Payments Coverage: This covers medical expenses for the driver and their passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: This provides coverage for accidents involving drivers not carrying insurance.

Commercial auto insurance policies are designed to cover the driver, their passengers and anyone the driver may injure while operating the insured vehicle. All those who will be operating the work vehicles should be covered under the policy.

Fill out an online form for a free quote or call us at (219) 769-4840 to get started.