Commercial Automobile Insurance

Liability Coverage

The liability coverage of the commercial auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile.

• Medical Payments Coverage
  
  The insuring agreement states that the insurer will pay all reasonable and necessary medical and funeral expenses incurred by an insured because of bodily injury caused by an accident. the insured is the named insured, the insured's employees and guests, and any other person occupying a covered auto. These payments are made without regard to fault.




• Uninsured/Underinsured Motorist Coverage
  
  
  • Uninsured Motorist
    This insuring agreement pays for bodily injury to an insured who is injured by an uninsured motorist, a hit-and-run driver, or a driver whose insurer becomes insolvent.
    
  • Underinsured Motorist
    This coverage is added to supplement the Uninsured Motorist Coverage, the coverage applies only when the other driver has liability limits at the time of an accident, but the liability limits carried may be insufficient to pay for damages for which the driver is responsible.



• Physical Damage Coverages
  
  
  • Collision Coverage
    This coverage provides protection against loss or damage to a covered auto or a non-owned auto resulting from the impact with another vehicle or object.
  
  
  • Comprehensive Coverage
    Comprehensive coverage provides protection against loss or damage to a covered auto resulting from loss other than a collision or upset.