There are lots of inherent risks in driving and some operators are less skilled than others and, no matter how careful an employee may be when operating a company car, there will always be elements out of his or her control, namely those drivers who are unskilled, distracted or simply unable to control a vehicle in bad weather for example. Poor road conditions, hitting animal, obtuse pedestrians, a motorcycle rider, bicyclists and intoxicated drivers are just some of the many other reasons for the many accidents reported yearly.
Commercial vehicle operation is contingent upon governmental regulations being adhered to and this means attention must focused on complying with these laws. This often means having proof of insurance and having completed the needed interstate filings. With all this in mind one can ascertain how vital commercial coveragecan be in the protection of assets as well as those in the public arena as well. The following are the major categories of coverage:
• Bodily Injury and Property Damage
• Personal Injury and Medical Payments
• Comprehensive and Collision
• Uninsured / Underinsured Motorist
Commercial auto policies cover business vehicle of many types including autos, trucks, cargo haulers, pickups, tow-trucks, vans, and even dump trucks. It is for those who uses their own vehicle or have leases, or who rent or borrow vehicles for business purposes, from one car to an entire fleet.