Coverage is provided for protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible for, because of an automobile accident. The insuring agreement also advises that in addition to the payment of damages for which the insured is legally liable, the insurer also agrees to defend the insured for all legal defense costs.

For an outline of the coverages offered on Commercial Automobile policies, please see the breakdown of the insurance coverages below:

Uninsured Motorists Coverage – provides coverage for Bodily Injury to an insured that is injured by an uninsured motorist, a hit and run driver, or a driver whose insurer becomes insolvent.

Underinsured Motorists Coverage – provides an additional coverage to Uninsured Motorists Coverage, this will provide coverage only if the other driver has liability coverage at the time of the accident.

Collision (Physical Damage) – this is an optional coverage for collisions in the event your vehicle is physically damaged in an accident involving another vehicle or a stationary object (building, guardrail, light pole).

Comprehensive Coverage – this is an optional coverage for protection against loss or damage to a covered auto resulting from a loss other than collision or upset (windshield damage from a falling rock). This coverage also provides for supplemental payments for transportation expenses in the event of a total theft of a covered vehicle or non-owned vehicle. Coverage would begin 48 hours after the theft.

Medical Payments Coverage – the Insuring agreement states that the Insurer will pay all reasonable and necessary medical and funeral expenses incurred by an insured because of a bodily injury caused by an accident, without regard to fault.

Hired Auto – Coverage is provided only for autos leased, hired, rented, or borrowed for use in the Insured’s business.

Owned Auto – Coverage is provided for all autos owned by the insured.

Non-Owned Auto – Coverage is provided only for autos not owned, leased hired, or borrowed by the insured. Coverage includes autos owned by the insured’s employees or members of their households, but only while used in the named insured’s business or personal affairs.

Rental Reimbursement – This is a coverage extension which will pay for the cost of renting a substitute auto for replacement of any covered auto that has suffered a covered loss. There are daily and maximum limits which apply to this extension.

Towing and Labor – This is an extension f coverage which will pay for towing and labor costs each time a covered vehicle is disabled, up to a stated amount.

Personal Injury Protection – This coverage adds no-fault benefits. No-fault means that in the event of an accident each party will collect from his or her own insurer, regardless of fault. This coverage applies only to Bodily Injury.