Commercial Auto Insurance
Commercial Auto Insurance Quote Forms
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Commercial Auto Insurance Information
Commercial auto insurance helps protect companies from the financial effects of a car accident. This coverage is required for Georgia companies using vehicles for normal business activities.
Depending on the coverage you choose, commercial auto insurance may help protect your business from liability claims. It may also help protect your organization’s property. Contact the commercial auto insurance experts at Poteet & Poteet in Gainsville, Georgia, today to get a personalized quote.
What Is Commercial Auto Insurance?
Commercial auto insurance is a contract between an insurance company and a company providing financial protection after a covered accident. The insurer provides coverage according to policy documents in exchange for premium payments.
Your agent can help you tailor your company’s commercial auto coverage to meet your needs.
What Does Commercial Auto Insurance Cover?
Commercial auto liability helps cover claims for third-party property damage and injuries. This coverage is required in Georgia.
Depending on your situation, your insurance agent may recommend adding the following policies:
- Collision insurance helps pay for damages to the covered vehicle after colliding with another vehicle or object.
- Comprehensive insurance helps pay for non-accident-related damages, including fire, vandalism, weather damage or theft.
- Medical payments (MedPay) helps cover funeral expenses and medical bills for policyholders and passengers.
- Uninsured/Underinsured motorist insurance helps cover damage to your company vehicle if you are in an accident with a driver that doesn’t have appropriate insurance coverage.
- Hired and non-owned auto insurance (HNOA) provides coverage for your company’s leased, personal and rented vehicles.
- GAP insurance helps cover the “gap” between the amount you owe on your company vehicle and the settlement from your insurance company after an accident that renders the vehicle a total loss.
Why Do You Need Commercial Vehicle Insurance in Georgia?
Georgia requires all vehicles to have a minimum amount of liability coverage, whether they are used for personal or business purposes.
If your organization finances or leases cars, you are subject to additional insurance requirements from your lienholder, which may include collision, comprehensive and GAP coverage.
Your agent will help evaluate your needs and may suggest that your company purchase more coverage than Georgia’s minimum liability requirements.
Contact Us
Contact Poteet & Poteet today to get help tailoring your company’s commercial auto insurance policy to meet your needs.
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