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Commercial Car Insurance
Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
What are the coverages in a commercial vehicle policy?
- Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
- Property damage liability coverage – provides you with protection if your vehicle accidently damages another person's property and in most cases provides you with a legal defense.
- Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
- Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
- Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
- Comprehensive physical damage coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
- Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.
Why should I buy my commercial auto insurance from GEICO?
When you think of GEICO, you think of competitive rates and great service—two very good reasons to have your commercial auto policy with GEICO. You also want a company that has the resources to pay your claims. GEICO, a wholly-owned subsidiary of Berkshire Hathaway, Inc., has combined assets of over $32 billion*. Learn more about GEICO's financial strength and the honors and ratings that set GEICO apart from other companies. Some of our policies are issued through National Indemnity Company (NICO) which is also a member of the Berkshire Hathaway group of insurance companies. Best of all, when you call, you'll get the same great service from GEICO. Learn more about why getting your commercial auto insurance policy with GEICO is a good move for your business.
Call (866) 509-9444 for more information about GEICO's commercial auto insurance or go online now to request a free commercial auto insurance quote.
Are the tools and materials in my vehicle covered?
Unattached tools and materials transported in your vehicle are not covered by commercial auto insurance.
Tools and equipment are best covered as part of a Business Owner's Policy or general liability policy.
