As a business owner, you’ve probably thought about the type of insurance your may need. Having insurance for your business is just smart. If you own a vehicle that you use for your business, having commercial auto insurance can help cover any costs that might occur due to an accident. Commercial Auto Insurance can cover medical bills and legal bills if a lawsuit happens. If an accident were to occur in your work vehicle, you may also want to cover the costs of damage to your vehicle.
Do take note, however, that your personal insurance is not the same as your commercial insurance. In other words, if you use your personal vehicle for your work and you get into an accident during business hours, your personal vehicle insurance will not cover you. You need to have commercial auto insurance.
Repairs You May Need for Your Work Vehicle
Commercial Auto Insurance from Texas Insurance Agency can help cover your work vehicle in the event of an accident, theft, or vandalism. Your vehicle can also be covered in the event of a storm as well. Take, for instance, hail. Hail can cause a lot of damage to vehicles. They cause dents, chip paint causing rust, and even break windows.
If someone breaks into your work vehicle, you may need to pay for repairs such as broken windows, bent and dented doors, and even tampered locks. Depending on what type of glass you need for your windshield, the windshield alone can cost anywhere between $200 to over $400. Some windshields can be over $1000. Side windows can be anywhere from $100 to $350.
If you have a small business and do not have the extra money set aside, this can be a massive hit to your business. These are just windows. Body repairs, engine repairs, and other internal issues due to accidents or flooding due to weather can cost thousands of dollars. The more vehicles you are responsible for, the more that number multiplies.