California Commercial Auto Insurance
(Quotes, Cost & Coverage)

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Get California commercial auto insurance quotes, cost & coverage fast. CA business auto helps pay for damaged vehicles, property, bodily injury and medical expenses if you or an employee is found at fault for an accident.

CA Business Auto Insurance

California Commercial Auto Insurance

It's pretty obvious that a company that has a fleet of vehicles and uses them to transport goods or perform services should have California commercial auto insurance. However, if you own a small company or are a sole proprietor and don't have commercial drivers, it can be hard to determine if this type of insurance is right for you. Your personal auto insurance may not cover you or any of your employees in the event of an accident, so it's essential to find out immediately if California commercial auto insurance is necessary.

Business auto insurance is a policy that covers any CA vehicles that are used for your business, as well as the people who drive those vehicles. It provides financial protection for you and any employees that drive for reasons related to your business if an accident or some other type of incident occurs.

While business vehicle insurance has some similarities to personal auto policies, there are notable differences in eligibility, coverages, exclusions, definitions & limits. Commercial car insurance is needed for certain type of vehicles (think heavy vehicles like tractors, dump trucks etc.). This can include cars used for business purposes as well as box trucks, food trucks, service utility trucks, etc.

Does My Business Need California Commercial Auto Insurance?

The best way to determine whether or not you need California commercial car insurance is to speak to an insurance agent or someone else who has ample knowledge of the topic. However, if the business you operate uses vehicles on a regular basis, it's a pretty safe bet that you are going to need it, no matter what size your business is.

Some professions that require California commercial auto insurance include the following:

If your profession isn't listed above, don't assume that you don't need CA business auto insurance. As mentioned, if your business uses vehicles, there's a pretty good chance that you are going to need it. Also you might be contractually required to have it of a customer requires it as part of a deal.

What Does California Commercial Auto Insurance Cover?

You might already have some familiarity with some of the different types of business car insurance since many polices share names with personal vehicle insurance policies. Some of the most commonly used coverages in policies include:

Whatever policy you choose, you should consider extending it so that it will cover any employees who may drive in order to complete tasks that are related to your CA business. For example, if you own a restaurant that delivers food, it's a wise idea to have your delivery drivers covered.

What California Commercial Auto Insurance Doesn't Cover

Know as exclusions, which elimiate risks for the insurer, California commercial auto insurance typically does not cover:

How Much California Commercial Auto Insurance Coverage Do I Need?

It can be tricky to figure out how much vehicle insurance you will need for your business. An agent that specializes in this type of insurance will be able to help you determine an appropriate amount for your specific needs. It's important to be aware that at the bare minimum, you have to make sure that you have enough coverage to comply with any insurance requirements that are set forth by California.

The following factors can be used to help you figure out how much coverage your business will need:

How Much Does California Commercial Auto Insurance Cost?

How much does California commercial auto insurance cost? The average price of business vehicle insurance varied widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy based on the business:

And the following factors have an effect on the price based on the acutal drivers:

What Are California's Financial Responsibility Requirements?

According to the CA Department of Motor Vehicles:

Financial responsibility (commonly known as CA auto insurance) is required on all vehicles operated or parked on California roadways. You must carry evidence of financial responsibility in your vehicle at all times and it must be provided as specified below when:

Insurance companies in California are required by law (California Vehicle Code (CVC) §16058) to electronically report private-use vehicle insurance information to the Department of Motor Vehicles (DMV). Electronic reporting of insurance information and programming changes that took effect in 2006, allow DMV to monitor insurance coverage and take appropriate actions through vehicle suspension as required by law. CA law enforcement and court personnel have electronic access to insurance status on DMV records.

What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles?

California Insurance Code §11580.1b says:

Liability insurance compensates a person other than the policy holder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

Further Reading On Business Auto Insurance

Read through helpful commercial auto insurance for small business to help you better understand polices you own or are buying.

Related articles:

CA Business Auto Insurance Quotes

California Insurance

Request a California Commercial Auto Insurance quote in Anaheim, Bakersfield, Chula Vista, Concord, Corona, Elk Grove, Escondido, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Huntington Beach, Irvine, Lancaster, Long Beach, Los Angeles, Modesto, Moreno Valley, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, Santa Ana, Santa Clara, Santa Clarita, Santa Rosa, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Vallejo, Victorville, Visalia and all other cities in CA.

The California Department of Insurance

The CA Dept. of Insurance is the regulatory agency behind the insurance rules for the state of California. If you want to understand these rules, then this is definitely the agency that you need to focus on. Let's start with limits within the state.

California Minimum Insurance Limits
CA Insurance Regulations

As for regular insurance regulations there are a lot of things that California provides that you can look up. For example, there are deadlines for the insurer to pay the claim or deny it, deadlines for submitting paperwork to prove a loss for insurance reimbursement, specific information your insurance company is required to give you and regulations on what information you have to provide to your insurance company.

One of the California regulations calls for you to be treated by your insurance company in good faith. This means that your insurer must be considered of your needs and must communicate completely and honestly with you about your policy and everything that you need to know about it in order to make a good decision. In turn, you are legally obligated to be honest and cooperative with your insurance company when it comes to your claim.

You should also be aware that your insurance company is required to offer prompt, honest and complete communications. The company and all of its representatives must respond to your communications within 15 calendar days with a complete response based upon the facts that are known.

Finally, be aware that your insurance company is required to have a fair claims process. Unless it is specified in your policy, you do not have to use the forms that are provided to you by your insurance provider in order to make a claim. You can create a list of losses on your own if you need to. In addition, insurers are not able to ask for unreasonable proof of loss. If you provide photographic evidence or video of items that you lost, insurers are not able to ask you to provide additional information.


If you are looking for state specific Commercial Auto Insurance quotes, costs and information: California Commercial Auto Insurance, Colorado Commercial Auto Insurance, Delaware Commercial Auto Insurance,Florida Commercial Auto Insurance, Illinois Commercial Auto Insurance, Kentucky Commercial Auto Insurance, New Jersey Commercial Auto Insurance, New York Commercial Auto Insurance, Oregon Commercial Auto Insurance, Pennsylvania Commercial Auto Insurance, Texas Commercial Auto Insurance, Washington Commercial Auto Insurance.

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