A commercial auto insurance plan provides coverage for automobile-related losses. Any business that owns, leases, or regularly rents an automobile is likely exposed to liability, physical damage claims, and medical expenses incurred during an automobile accident. We at Worthy Insurance are familiar with these everyday exposures and can help your business secure the auto coverage it needs, including:
Automobile liability coverage protects your business against bodily injury, medical expense, and property damage claims against your business that are incurred as the result of an at-fault automobile accident.
Uninsured & Underinsured coverage protects your business against automobile-accident losses when involved in a not-at-fault accident with a driver who does not have (or does not have enough) auto liability coverage to pay the loss they incurred to your business. If the at-fault party's policy is insufficient, or non-existent, then your policy will pay the claim on their behalf (up to your policy limit).
Collision coverage protects a vehicle against physical damage that is caused by an accident with another vehicle, fixed object, or person.
Comprehensive coverage protects a vehicle against physical damage to a vehicle that is typically out of the control of the insured, including fire, theft, vandalism, and glass breakage.
Rental Expense coverage will cover the cost of a rental vehicle when the insured-vehicle is non-drivable due to a comprehensive or collision loss.
Gap Coverage is auto insurance coverage that will pay the difference between what is owed on a vehicle and the actual cash value of a vehicle is at the time of a total loss.
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