Car Crash And Commercial Auto Insurance

​Using a company vehicle is ideal for every employee as it has several perks. You need not worry about paying for gas and its maintenance. The worry comes in when a crash happens, no matter how minor it is. But surely your thoughts wouldn't wander as far as how you can pay for the damages if you know that the vehicle is covered by commercial auto insurance.

What Does Commercial Auto Insurance Cover?
It is similar to your personal car insurance, which covers liability, collision, medical payments, and uninsured motorist coverage. They are written and rated differently, so you should know the difference between them. Review your policy to make sure that your insurance covers what you need.

Bodily Injury Liability Coverage
This may be the most important and standard coverage included in your policy. When people get injured and die from the accident you caused, this may cover it along with legal help.

Collision Coverage 
It pays for the damage your vehicle incurred when it hits or is hit by an object. A coverage as basic as this saves you a whole lot of expenses. 

Property Damage Liability Coverage
Accidents don't happen only within public spaces. It is always possible that the crash destroyed private property. This coverage might also get you legal help on top of the compensation for the belongings owned by another person.

Medical Payments, No-Fault, or Personal Injury Coverage
This could cover the drivers' and the passengers' medical expenses. Make sure that compensation is provided when people get hurt because of you. 

What You Need to Do During the Accident
It also is good to know these simple things when you involve a company vehicle in an accident:

• Document the accident with photos
• DO NOT sign any waiver or document without advice from your insurance agent or a lawyer
• DO NOT accept any payments on the spot and without proper documentation 
• Give the insurance company a call and go over the policy with them
• Be in constant communication with your provider until the investigation is done

Conclusion
Car accidents can go from very simple to complicated situations. Having your personal car in an accident is already a ton of paperwork, much more so if you involve a third party, like your employer. But if you know what to do in the event of a vehicular accident, matters can get less difficult. 

At Priority Insurance, LLC., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!