When you need commercial auto not personal auto
Personal auto policies don’t cover vehicles used in business. If your van delivers product, your truck hauls tools and materials, or employees drive company cars you need commercial auto. A denied claim under a personal policy is a worst-case outcome no business should risk.
What commercial auto covers
- Liability Third-party bodily injury and property damage. California minimums apply plus any state or lienholder-required higher limits.
- Comprehensive & collision Pays for damage to your covered vehicles often required by leases and loans.
- Uninsured / Underinsured Motorist Critical in San Diego with its high uninsured-driver rate.
- Medical payments Driver and passenger medical costs, no-fault.
- Hired / non-owned auto For employees driving rented or personal vehicles on company business.
- Cargo Optional covers the goods you’re hauling.
- Mexico coverage US policies don’t extend coverage beyond 25 miles south of the border. We pair you with Mexican-admitted carriers for Tijuana / cross-border routes.