Commercial Auto Insurance

1. Why You Need Commercial Auto Insurance: Commercial auto insurance is essential to protect your business, vehicles, employees, and cargo in case of accidents or other hazards on the road.

2. Who Needs Commercial Auto Insurance: Commercial auto insurance is designed for vehicles and drivers operating on behalf of a business. This includes vehicles owned by the business, employee-owned cars used for business errands, company-provided cars for employees, rented or hired vehicles, and certain personal vehicles that meet commercial criteria.

3. Coverage Provided by Commercial Auto Insurance: Commercial auto insurance typically includes various coverage options such as:

   • Liability Insurance
   • Bodily Injury Liability Coverage
   • Property Damage Liability Coverage
   • Hired/Non-Owned Auto Liability Insurance
   • Collision Insurance
   • Comprehensive Insurance
   • Medical Payments/Personal Injury Protection
   • Uninsured/Underinsured Motorist Insurance

   Additionally, you can expand your coverage with endorsements and additional policies like Inland Marine Insurance, Roadside Assistance, Rental Car Reimbursement, Custom Parts Coverage, Replacement Cost Vehicle Coverage, and Gap Insurance.

4. Is Commercial Auto Insurance Required in Texas: Texas has mandatory insurance laws that require businesses to carry commercial auto insurance with minimum coverage limits. These limits include bodily injury liability coverage of $30,000 per person, $60,000 per accident, and property damage liability coverage of $25,000 per accident. PIP (Personal Injury Protection) coverage is included in auto policies in Texas but can be declined in writing.

5. Cost of Commercial Auto Insurance: The cost of commercial auto insurance varies based on factors such as the types and amounts of coverage, the location of your business, and the value of the insured vehicles. Vista Insurance’s agents can help customize coverage to keep it affordable while ensuring you have the necessary protection.

Business owners in Texas should take the time to evaluate their specific needs and work with insurance professionals like Vista Insurance to tailor their commercial auto insurance policies accordingly. This will help ensure that they have the right level of protection in place for their vehicles and operations.