Commercial auto insurance cover coverage parts and facts:

If your business is located in the commonwealth of Massachusetts, you are required by law to carry commercial auto insurance at all times if you own a vehicle that is to be driven on the streets and roadways of the commonwealth.

There are many insurance carriers available as well as insurance coverage options.  Here are the various parts of a commercial auto policy.

Bodily Injury to Others
This coverage pays for damages if you are legally responsible for an accident in Massachusetts injuring someone
other than passengers in your auto. It also provides for legal defense and court costs if you (as business owner)
or your company is sued.

Optional Bodily Injury to Others
Pays for damages to people injured or killed in accident if you (as business owner) or an employee is legally responsible for the accident. Unlike the Compulsory part, this coverage does provide coverage for injuries to passengers and for accidents occurring outside of Massachusetts.

Personal Injury
This coverage provides for medical expenses, lost wages, and replacement cost services in the event of a covered accident regardless of fault.

This coverage pays for any direct and accidental damage to a listed vehicle on your commercial auto policy

This coverage is for theft of a vehicle while listed on the commercial auto policy and also includes coverage for fire and glass breakage

Property Damage
This coverage affords you protection and payments to other if their property is damaged. Most commonly this coverage pays for damages to other vehicles but can also include any other property that you may be responsible for damaging such as a fence on someones property.

Medical Payments
This coverage pays for reasonable expenses for necessary medical and funeral services to you (as business owner), your employees or passengers incurred as the result of an auto accident.

Bodily Injury Caused by an Uninsured Auto
Pays damages for bodily injury resulting from certain accidents caused by uninsured autos that you may be involved with

Bodily Injury Caused by an Underinsured Auto
This coverage provides you and your employees with protection for bodily injury damages or death as the result of certain accidents caused by someone who does not have enough insurance.

Non-Owned Auto
This coverage provides your business with liability protection for injuries or damages if your employee is involved in an accident and found responsible while using their own vehicle to perform company business.

Hired Auto Liability
This coverage provides your business with liability protection when you temporarily rent, lease, hire or borrow vehicles for business use.

Hired Auto Physical Damage
This coverage provides your business with physical damage protection when you temporarily rent, lease, hire or borrow vehicles for business use.

Drive Other Car
This coverage provides protection for physical damage and liability for specific employees named on your commercial auto policy if they are driving a vehicle other than a company owned vehicle. This is important for owners or other key employees, who do not have their own personal auto policy and would, therefore, not have insurance protection if they borrowed another person’s car or rented a vehicle on their own.

Substitute Transportation
This coverage reimburses you, up to the limits shown on the Coverages Selections Page, in certain situations if your auto was in a collision and is being repaired or replaced.

Towing and Labor
This coverage pays for auto towing and labor due to a breakdown even if there isn’t an accident. Coverage is up to the limit shown on the declaration page.


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