Enterprise Commercial Vehicle Insurance

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Commercial Vehicle Insurance

Alabama has a reported car crash every 197 seconds, with the third-largest amount of commercial truck fatalities in the country. If you own a business in Enterprise, AL, you'll need adequate commercial vehicle insurance. 

Fortunately, an independent insurance agent can help find a commercial auto policy that won't break the bank. Since state and sometimes federal laws need to be met, a trusted adviser can help. Get connected with a local expert for quotes today.

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

Commercial vehicle insurance in Enterprise, AL, will help protect your business, employees, and other drivers. The Alabama Highway Safety Office has a drive safe initiative to help with accident control. 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 commercial auto insurance policy will help pay for liability and physical damage when a vehicular loss occurs. If you want your business to have the right protection, take a look at your limits. With the correct commercial vehicle policy in place, you can transfer your risk to the insurance companies.

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

In Enterprise, AL, you are required to carry liability insurance for all commercial vehicles. The majority of autos will fall under the general minimum requirements. Whereas heavy trucks and tractors will have to follow the Department of Transportation (DOT) guidelines.

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

If you are carrying heavy loads of materials, they will need to be accounted for by the carrier and DOT. Your commercial vehicle policy will be rated on how hazardous your loads are and how far you're traveling. If you cross state lines, you'll likely need to comply with federal law.

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

Most commercial vehicle policies in Enterprise, AL, come standard with liability only. If you desire more coverage for autos, you'll have to add it. To get replacement or repair for your assets, take a look at the optional coverages below.

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.

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.

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

While there's no way to know your exact pricing when it comes to your business insurance, you can understand how it's calculated. Your commercial vehicle policy in Enterprise will be based on a variety of items. Check out the risk factors that carriers use to determine your pricing.

  • 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 will take into account the above factors as well as others. Carriers look at loss history, insurance score, and financial stability when they rate coverage. To have a better idea of where your commercial auto premium stands, get quotes.

Why Work with an Independent Agent in Enterprise, AL?

If you're looking for affordable commercial auto insurance in Enterprise, AL, an adviser can help. You'll have the most options on coverage and price with an independent insurance agent. Since they work on your behalf at no cost, you'll save big. 

An independent agent has access to multiple markets so that you can get the best options. When you're tired of DIY insurance, consider using a professional. Go to TrustedChoice.com and connect with a local expert in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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