If you have a car you use for business, you may need commercial auto insurance in Fontana, CA. This type of insurance can protect you financially if you are involved in an accident while using your car for business. Commercial vehicle coverage is similar to regular auto insurance, but some critical differences exist.
How Personal and Commercial Auto Insurance Differ
Commercial auto insurance typically provides more coverage than personal auto insurance. Businesses have a higher risk of being involved in an accident than individuals. Commercial auto insurance also usually covers vehicles that are used for business only.
Most personal auto insurance policies exclude coverage for vehicles used for business purposes. If you have an accident while using your personal car for business, your insurer may refuse to pay for claims. If you use your personal vehicle for both business and pleasure, you probably need to purchase a separate policy for your business use.
Sometimes, your insurer may cancel your policy altogether if they find out that you have been using your personal car for business purposes. A Rock Hard Insurance Agency representative can help determine whether you need commercial auto insurance in Fontana, CA.
What Type of Businesses Need Commercial Auto Insurance?
I’m doing Door Dash deliveries. Do I need commercial auto insurance? You may need commercial auto insurance if you are using your personal vehicle to deliver food or other items. This is because you are using your car for business purposes.
How Much Does Commercial Auto Insurance Cost?
The cost of commercial auto insurance depends on several factors, including the type of business you have, the vehicles you are insuring, and the amount of coverage you need. A Rock Hard Insurance Agency representative can help you determine the amount of coverage you need and get you the best rate possible.