Commercial Auto Insurance Spokane WA
Do you need commercial vehicle insurance in Washington State? If your business owns or operates vehicles for business purposes, you should have a good commercial vehicle insurance policy. Commercial vehicle insurance policies help protect your business from significant financial losses if one or more of your vehicles is involved in an accident or experiences damage due to a covered event.
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Commercial Vehicle Insurance in Washington State
Commercial vehicle insurance is similar to personal car insurance, except that it’s written specifically for the risks that commercial vehicles face. Commercial vehicles often spend a lot of time on the road. They may carry expensive cargo. They usually weigh more than their personal vehicle counterparts, and they may carry expensive equipment or tools. Let’s take a detailed look at what’s typically covered by commercial car insurance policies.
Liability Insurance
Commercial vehicles must have a minimum amount of insurance. In the state of Washington, it means having liability coverage in the amounts of $25,000, $50,0000 and $10,000. The $25,000 is to cover a single person’s injuries or demise. The $50,000 is to cover the injuries or demise of two people, and the $10,000 is to cover any property damage that occurs to another person. It’s important to note that the state requirements are minimums, and they may not pay all of the expenses involved in an accident. In order to determine the correct coverage limits, you can discuss average claim costs with your insurance agent.
Collision Insurance
If you need insurance coverage for your commercial vehicles that covers damage to your property in the event of an accident and regardless of fault, you’ll want to add collision coverage to your commercial car insurance policy. This insurance pays for the repair or replacement of your vehicle, even if your driver is the one who caused the accident.
Comprehensive Insurance
Car accidents aren’t the only way that vehicles get damaged or totaled. Cars may also experience damage from severe weather, fires, theft or vandalism. Damage that isn’t caused by an accident is usually covered via the comprehensive part of your insurance policy.
Uninsured and Underinsured Coverage
In spite of the minimum insurance laws, some drivers still don’t have any car insurance. Other drivers may have state minimum insurance. When a driver doesn’t have enough insurance to cover the entire cost of the accident or has neglected to get car insurance, the underinsured and uninsured coverage in your insurance policy may help take care of the costs associated with the car accident.
Medical Payments Coverage
If someone in your commercial vehicle is injured in a car accident, this coverage helps pay for their medical expenses. This coverage works regardless of fault status.
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What Types of Commercial Vehicles Are Covered Under a Commercial Auto Policy?
Many types of vehicles can be covered under a commercial car insurance policy. This includes standard cars, like sedans, station wagons, coupes, crossovers and hatchbacks. You can insure SUVs, vans, pickup trucks, dump trucks, tanker trucks, semis, box trucks, flatbeds, buses, refrigeration trucks and delivery trucks.
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How to Make Commercial vehicle Insurance Affordable in Spokane
If you’re concerned about the cost of commercial Vehicle insurance in Spokane, Washington, there are things you can do to make it more affordable. The first way to make it more affordable is to look at many different types of policies. At Boyd Insurance Brokerage Inc., we make this easy. We have access to hundreds of carriers’ insurance policies. This gives us the ability to find you the right policy for your business.
The next step is to look for discounts. If you implement safety procedures and training, you might be eligible for a safety discount. If you have more than one insurance policy with the same carrier, you could receive a multiline or bundling discount. Some insurance carriers will even give you a discount for maintaining certain policies for a certain length of time. These are often referred to as loyalty discounts or prior insurance discounts.
Explore Commercial Car Insurance Policies with Boyd Insurance Brokerage Inc.
Are you ready to get commercial car insurance for your business? We help all types of businesses get commercial car insurance, including logistics and delivery companies, restaurants, churches and contractors. If you use vehicles in your day-to-day operations, we can help you find affordable commercial car insurance in Spokane, Washington.
To learn more about our commercial car insurance and to get a quote, give us a call at 509-340-2693.
