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Commercial Auto Insurance in Texas

As a business owner, protecting your assets is crucial to your future. Commercial auto insurance covers your vehicles and drivers in the event of an accident, theft, or damage. Hotchkiss Insurance offers customizable commercial auto insurance policies that fit the unique needs of your business.

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Why is Commercial Auto Insurance Important?

Commercial auto insurance is important to protect your business and your drivers from accidents, theft, or damage to your commercial vehicles and is a must-have for any business that operates vehicles. Without it, you could be responsible for covering costly medical bills, vehicle repairs, and legal fees.

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What Does Commercial Auto Insurance Cover?

Commercial auto insurance provides coverage for various risks that come with owning and operating commercial vehicles. Coverages Include:

Auto Accident Liability

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If you or one of your employees causes an accident while driving a company vehicle, this coverage will pay for damages or medical expenses incurred by the other party.

Medical Payments

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If you or one of your employees is injured in a company vehicle, this coverage will pay for any necessary medical treatment, regardless of who was at fault for the accident.

Bodily Injury Liability Coverage

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If you or one of your employees causes an accident while driving a company vehicle and someone is injured or killed, this coverage will pay for any damages or medical expenses incurred by the other party.

Collision Coverage

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If your business vehicle is involved in a collision with another vehicle or object, collision coverage pays to repair or replace your vehicle regardless of who was at fault for the accident.

Accidents Involving Uninsured Motorists

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If you or one of your employees is involved in an accident with an uninsured driver, this coverage will pay for any damages or medical expenses incurred.

Property Damage Liability Coverage

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If you or one of your employees causes an accident that results in damage to another person’s property, this coverage will pay for the cost of repairs or replacement.

What kind of vehicles are covered by a commercial auto insurance policy?

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Business Autos

Business autos are vehicles that are owned, leased, hired, or borrowed by a business and are used for business purposes. These include cars, vans, SUVs, and trucks that transport goods, equipment, or employees to and from job sites.

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Trailers

Trailers are commonly used by businesses to transport goods or equipment. Commercial auto insurance can provide can protect against damage to the trailer or the cargo, as well as liability for accidents involving the trailer. Commercial auto insurance can also provide coverage for trailers that are being leased or borrowed by the business.

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What are the risks of not having commercial auto insurance?

It is mandatory to have auto insurance in Texas. Failure to comply with this legal requirement can result in fines and tickets. Without proper coverage, you bear full responsibility for damages and injuries caused to other parties in an accident if you are at fault. This includes covering vehicle repairs and medical costs for yourself and your passengers.

Why Choose Hotchkiss?

Why Hotchkiss?

  • CUSTOMIZED COVERAGE

    With 50 years of experience, we deliver tailored insurance solutions that meet your unique needs.

  • FRIENDLY TEAM OF EXPERTS

    Our knowledgeable staff provides unparalleled guidance and support at every step.

  • COMPREHENSIVE OPTIONS

    We have access to a wide range of coverage options to find solutions that make sense for you.

  • PROACTIVE PARTNERSHIPS

    We view every client relationship as a partnership, working collaboratively to protect your possible.

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Frequently Asked Questions

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Do I need commercial auto insurance if I only use my personal vehicle for business purposes?

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If you use your personal vehicle for business purposes, you may need to purchase a commercial auto insurance policy. It’s important to discuss your specific situation with an insurance professional to determine your coverage needs.

Can I add additional coverage to my commercial auto insurance policy?

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Yes, you can add additional coverage to your commercial auto insurance policy. Some common options include roadside assistance, rental reimbursement, and uninsured/underinsured motorist coverage.

How can I save money on my commercial auto insurance policy?

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There are several ways to save including bundling coverage, increasing your deductible, and implementing safety features on your vehicles.

What factors determine the premium for commercial auto insurance?

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Several factors can impact premium cost, including the type of vehicle, your driving history, the location of your business, and the level of coverage you select. It’s important to discuss your specific situation with an insurance professional to determine your premium.

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