Commercial Vehicle in Charlotte, NC
Commercial Vehicle Quote Form
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Commercial Vehicle Quote Form
Commercial Vehicle Information
SERVING THE CHARLOTTE, CONCORD, KANNAPOLIS, MONROE AND SALISBURY, NC AREAS
Corporate auto insurance with Patriot Insurance Agencies helps you:
- Protect your commercial vehicle
- Safeguard your business’s financial integrity
- Avoid complicated and costly disputes
Corporate auto insurance is a sure preventive measure that you can’t afford to operate without. Call Patriot Insurance Agencies today for an estimate and to talk to a corporate auto insurance representative. We’ll put together the policy you need to ensure that you’re always protected.
TRUCKER AND OWNER-OPERATED COVERAGE
As we just mentioned, commercial truck operators must carry very high insurance policies on their 18 wheelers and other commercial trucks. Commercial Vehicles like Semi Trucks can weigh more than twenty times the weight of a normal-sized passenger vehicle. As a result, the coverage for a commercial truck can be worth more than fifty times that of a standard automobile.
Limo, Pizza Delivery and Small Fleet Insurance
There are all kinds of commercial vehicles in and around the Charlotte area. We can find the best insurance coverage for all of them. It does not matter if it is a taxi, limousine, or pizza delivery service. Patriot Insurance Agencies will get the right policy in place so that all commercial vehicles roaming on the streets and highways are insured.
Patriot Insurance Agencies is the most unique insurance provider in Charlotte. The reason why is because we are not an actual insurance provider. We shop around to find the best policies for our customers with the multiple providers. Owners of any commercial auto can have peace of mind when doing business with us. Patriot Insurance Agencies will search for the policy owners of commercial autos are looking for and need.
Common Commercial Auto Insurance Questions:
When you buy a vehicle (or fleet of them) for your company, or even allow an employee to operate their own vehicle on your behalf, then your business could be the one to suffer if something happens to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance, and as a result your company won’t face financial setbacks just because an accident occurred.
Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy will contain specialized coverage terms that are designed to protect the company’s investment in the vehicles.
Various vehicles and drivers might need to be covered by a commercial auto policy. These include:
Vehicles owned by a business
Employees who drive their personal cars on business-related errands
Company cars provided to employees for commercial and private use
Vehicles hired or rented by the business
Certain personal vehicles that qualify as commercial due to their weights or sizes
The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:
Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Additionally, other policies and endorsements might help you expand your benefits, such as:
Inland Marine Insurance
Rental Car Reimbursement
Custom Parts Coverage
Because your business’s uses of vehicles are unique, you must customize your commercial auto plan in order to make it work specifically for you.
North Carolina Motor Vehicle Law requires that Automobile Liability coverage be continuously maintained. The minimum coverage requirements are:
$30,000 Bodily Injury for each person
$60,000 total Bodily Injury for all persons in an accident
$25,000 for Property Damage.
Motor Vehicle Law also requires Uninsured/ Underinsured Motorists coverage. Auto insurance policies with the minimum Bodily Injury and Property Damage limits are required to include Uninsured Motorists coverage. Policies with limits greater than the minimum must provide combined Uninsured/ Underinsured Motorists coverage. UIM coverage does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver’s Liability limits and your UIM limits.
Regardless of any requirements, the benefits you will receive by investing in higher levels of coverage will ensure you have a high degree of protection in the event of any particularly challenging vehicle issue.
Numerous factors can influence the costs of commercial auto insurance, including the type of coverage you buy, the location of your business and the value of the vehicles to be insured.
Our agents are committed to working with you to optimize benefits in ways that will still keep your auto insurance affordable, even as you build upon your coverage to ensure you receive the highest level of protection.