Commercial Auto Liability
Commercial auto liability coverage provides protection for any
business-owned or leased commercial vehicle. Policies usually include
collision and damage coverage as well as coverage for property and
personal damage to others.
Just like you need auto insurance for your own car, you need business
auto insurance to cover your business-owned or leased vehicles. If you,
or any of your employees have an accident in your business's car, you
may be liable for bodily injuries, lost wages or any damage caused.
Typical coverage includes:
Bodily Injury Liability - Coverage
for damages that involve bodily injury to others for which you become
responsible under law.
Property Damage Liability - Coverage
for damage to property of others for which you become responsible under
law.
Medical Payments - Coverage for
reasonable and necessary medical expenses and funeral services for those
who are accidentally injured while in your automobile or while getting
into or out of your automobile.
Personal Injury Protection -
Coverage for medical, hospital, rehabilitation, loss of wages or loss of
services costs resulting from injury to you or any resident family
member. In case of death to the insured or a resident family member,
death benefits and survivor benefits, if applicable, will be provided.
Other coverage that may be obtained include:
Comprehensive - Protection for the
loss of or damage to your vehicle and its equipment from all causes
except collision, subject to the deductible on the policy.
Collision - Protection for the
collision damage to your automobile and its equipment, subject to the
deductible on the policy.
Uninsured Motorist - Coverage allows
you to recover bodily injury damages due to an accident where the other
party does not have insurance, and is found legally liable.
Underinsured Motorist - Coverage
allows you to recover bodily injury damages due to an accident where the
other party is found legally liable and does not have adequate liability
limits.
Additional Expense - Coverage for
necessary additional expenses incurred as a result of a loss for which
you are protected under comprehensive or collision coverage. These
expenses include rental cars, food, lodging and other incidental
expenses.
Hired Auto Liability Coverage -
Covers liability for automobiles hired under contract on behalf of or
loaned to the named insured.
Hired Auto Physical Damage -
Coverage for an automobile of any type, hired, borrowed or leased on a
short term basis for use in the insured's business.
Employer's Non-Ownership Liability -
Coverage for a private-passenger automobile used in the business of the
named insured by any person, or the occasional and infrequent use of a
commercial automobile in the business by any of your employees.
With Permission © III - ALL RIGHTS RESERVED
Brier Payne Meade, Topeka – (785) 233-1717
Brier Payne Meade, Kansas City – (913) 402-9576
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