BUSINESS OWNER CORNER: 🛻DODGING A BULLET WITH COMMERCIAL AUTO INSURANCE

Imagine this scenario: You’re driving between jobs and accidentally rear-end the vehicle in front of you. Accidents happen, but you take a deep breath knowing you have car insurance. You file a claim, but a few days later, you get a crushing letter in the mail: Claim Denied.  

Why the denial? Because the insurance company was able to see that you were using your vehicle for work at the time of the accident. You needed a commercial auto insurance instead.  Now, you’re stuck paying thousands out of pocket for repairs, medical bills, and legal fees.

It’s a nightmare scenario, but it happens more often than you think.  

Many drivers believe commercial auto insurance is strictly for massive semi-trucks or huge corporate fleets. That is a dangerous myth. In reality, you likely need a commercial policy if you use your vehicle to:

• Travel between multiple job sites throughout the day

• Transport tools, equipment, or business supplies

• Pick up materials or deliver goods to clients

Driving a vehicle for work purposes on a personal auto policy is a massive gamble. The good news? Commercial auto insurance is much more affordable than most people realize, and it’s a tiny fraction of the cost of a denied claim.

If you use your vehicle for business, let us double-check your policy before a minor accident turns into a major financial headache. You can call our Bell Gardens office at (323) 773-4429 or visit our commercial auto website. Our team will compare rates across top carriers to make sure you and your business are fully protected at a price that fits your budget!