Anniston Commercial Vehicle Insurance

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Alabama Commercial Vehicle Insurance

Anniston, AL, is a smaller town with over 21,770 locals that utilize the roadways. The state has 111 commercial trucks involved in fatal crashes per year. When you're running a business in Anniston, AL, you may need commercial vehicle insurance. 

An independent insurance agent can help with a policy that fits your budget. Alabama regulates business insurance at a local and federal level. Get connected with an expert to begin.

Why Do Anniston, AL, Businesses Need Commercial Vehicle Insurance?

Commercial vehicle insurance in Anniston, AL, is mandatory for all businesses that used company autos. To ensure safe driving habits and protection, get with a trusted adviser. The Alabama Highway Safety Office has a drive safe initiative to help road users become more aware. According to their reports, these are some statistics for Alabama.

  • In Alabama, almost 56% of road fatalities did not wear seat belts.
  • 49% of all Alabama road fatalities occurred at night, including dusk and dawn.
  • In Alabama, most fatal crashes occur on a Saturday.
  • Friday is when most accidents occur in Alabama.
  • A road accident in Alabama occurs every 197 seconds.

Your business's commercial auto policy will help pay for liability and physical damage loss. If you're hauling hazardous materials, you'll need cargo insurance. Each load type is monitored with the Department of Transportation and your insurance carrier.

What Else Does Anniston, AL, Commercial Vehicle Insurance Cover?

The commercial auto insurance industry has grown by 70% in the past year. That means there are more drivers on Anniston's streets that you'll need to take into consideration. Commercial vehicle insurance comes standard with minimum liability limits, and everything else has to be added. Take a look at the optional coverages below.

Rental car insurance: This covers the cost of renting a commercial vehicle while your company-owned auto is being repaired.

Towing and roadside assistance: This will pay for a tow to pick up your disabled commercial auto. 

Non-owned or hired auto liability insurance: If an employee or contractor uses a non-company-owned vehicle while doing business on your behalf, this will cover your exposure.

Uninsured motorist insurance:  If your commercial auto is involved in an accident with an uninsured driver, this provides coverage for property damage and medical costs.

Comprehensive insurance: This covers the cost to repair or replace your commercial vehicle if it is lost or damaged due to a non-collision accident.

Collision insurance: This will replace or repair your commercial auto that is damaged due to an accident.

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What Are the Commercial Vehicle Coverage Requirements in Anniston, AL?

In Anniston, AL, if your business uses heavy trucks and tractors, you'll have to follow the Department of Transportation (DOT) guidelines. Other commercial vehicles will need to be covered by a policy with Alabama's minimum liability requirements. Check out the state's regulations below.

Alabama's minimum liability requirements for commercial vehicles:

  • $25,000 property damage liability per accident
  • $50,000 bodily injury liability per accident
  • $25,000 bodily injury liability per person

Alabama's DOT minimum liability requirements for oversized vehicles / loads

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $300.000 property damage liability per accident
  • $1,000,000 if a combined single limit policy

There are 111 fatal accidents involving commercial trucks each year in Alabama. If your company operates one or many of these heavy loads, you'll be responsible for the hauled materials. Insurance companies and DOT will monitor your loads for safety. 

How Much Does Commercial Vehicle Insurance Cost in Anniston, AL?

Your business insurance policies will be rated on a variety of risk components. Some you'll have control over, while others you will not. Anniston, AL, commercial vehicle insurance uses several items to set your premiums. Check out the risk factors that carriers use to determine your pricing below.

  • Year, make, and model of all vehicles
  • The radius in which you travel
  • The number of drivers and their motor vehicle records
  • What the vehicles are used for
  • The coverage you choose
  • Where you store the vehicles
  • What safety measures you have in place
  • The time of day or night these vehicles are driven

Insurance companies look at the above measures as well as several others. Your business's insurance score, loss history, and your company's financial stability will be taken into account. Get policy quotes from a licensed professional.

Why Work with an Independent Agent in Anniston, AL?

Your business thrives on having the right protection for your assets. If there is an accident with your company's autos, you'll be responsible for the damage. A commercial vehicle policy can provide the coverage you need to meet state and federal mandates. 

An independent insurance agent can help find a policy for an affordable price. They work with numerous carriers, offering your business options. Connect with a local expert on for free.

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