When a company has vehicles, it is crucial they are properly covered under Auto Insurance in Temecula, CA. The state requires CDL employees to be covered under commercial vehicle insurance. Without coverage, a company could face large fines and could be held liable for any damages their drivers or vehicles cause. It is important business owners educate themselves on the state requirements for business auto insurance so they can make sure they are fully covered. Ideally, one should meet with an insurance agent to ensure they are properly guided in the process.
The state of Temecula requires the following for each driver:
$25,000 injury or death coverage for one person
$50,000 injury or death coverage for more than one person
$25,000 for property damage
It is important for business owners to understand these are the minimum requirements for the state. Ideally, a business owner should purchase further insurance from Winchester & Associates Insurance Services Inc to avoid problems with a lack of coverage. Although this can cost more money, it can save a company owner exponentially, should an accident occur that causes major injuries or even death.
There are many other areas of coverage a business owner can choose for their Auto Insurance in Temecula, CA. Owners often purchase physical damage coverage, so their trucks or other company vehicles are covered when damage occurs due to an accident or falling tree. Comprehensive coverage can also cover theft, fire, and vandalism damage.
If a company uses trucks to haul goods, they should consider purchasing motor truck cargo coverage. This form of coverage ensures the cargo of the driver and the company are covered, should an accident occur that causes damage. In addition to this coverage, business owners are also urged to purchase uninsured motorist insurance so damage will be covered that is caused by a driver that does not have insurance coverage.
For more information on Auto Insurance Temecula CA, Contact Winchester & Associates Insurance Services Inc at https://quotetowin.com/, you can also follow them on Facebook.
