Physical Damage coverage

Collision insurance covers either repair or replacement of your vehicle in case of an accident. It applies to ‘single-vehicle accidents’ such as hitting a tree or an electric pole, as well as any collisions with other cars and incidents while your vehicle is not moving (is parked). If your car is leased, your lender might also require collision coverage.

Comprehensive coverage protects your vehicle from other incidents – any unexpected non-collision events beyond your control: fire, theft, vandalism, glass damage, hail, animal collisions, and others. If you finance or lease your vehicle, your lender might require comprehensive insurance.

Uninsured/Underinsured motorist

The Uninsured/Underinsured motorist insurance covers incidents when a driver of a commercial auto gets into an accident, but the other driver is at fault and:

• they don’t have auto liability insurance,
• or their liability limits are not sufficient enough to cover your bodily injury or property damage,
• or if the accident under consideration is a hit-and-run.

Depending on your state, you can select various options, including repair or replacement of your vehicle if required.

Medical payments

Medical Payments insurance covers the medical expenses for your passengers and you as a driver in cases of injuries, regardless of who is at fault for an accident. For Medical Payment coverage (or MedPay), you can choose a per-person limit. Please note this limit is the maximum amount your insurer will pay for each individual involved in an accident.

Roadside assistance

Roadside assistance coverage ensures you get help when you need it. It provides up to one hour of on-scene labor if a business auto suddenly breaks down. Roadside assistance includes towing, flat tire changes, locksmith services, required fuel delivery, and similar services. Currently, it is available in 40 states.

Hired auto

Hired auto insurance covers vehicles you lease, hire, or borrow to conduct business. If you or your employee has to drive a car not listed on your commercial auto insurance policy, the hired auto coverage extends your existing liability protection.

Non-owned auto

If your employees occasionally need to use their car for work duties – you can get non-owned auto coverage. Non-owned auto insurance extends your commercial auto liability coverage to give you and your employees extra protection during work errands.