Texas Commercial Auto Insurance

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Texas Commercial Auto Insurance

In Texas, the second-largest state in the country, you’ll find countless opportunities for fun and adventure. Due to its geographical and cultural diversity, the state has a variety of unique activities and attractions. There are a wide variety of vacation possibilities in Texas, from cities to coastlines to mountains to deserts.

It is interesting to compare metropolitan centers like Houston, Austin, and Dallas to cities like Amarillo and Lubbock in West Texas. Visit the Alamo, walk along the River Walk, or take a drive through the nearby Hill Country when you’re in San Antonio.

There is much more to Texas than just being a tourist destination. For generations to come, Texas will remain the best state for small and large businesses by empowering entrepreneurs and innovators.

If you’re a business owner in Texas that uses commercial vehicles, then you must know how a single accident or lawsuit can cripple your finances and operations. To safeguard your company and employees, you need comprehensive commercial auto insurance.

Why Does Your Texas Business Need Commercial Auto Insurance?

It is essential for business owners to protect the vehicles they use every day, especially if they use them for business operations. If you have business-owned vehicles, commercial auto insurance covers the safety of your employees and cars on the road.

Accidents can happen anytime, anywhere, no matter how careful your drivers are. When business vehicles are always on the road, accidents can occur, or extreme weather conditions may lead to unexpected damages.

You will be protected from these unforeseen circumstances if you have the right commercial auto insurance policy.

When choosing commercial auto insurance, you should understand the essential elements of auto liability coverage. Comparing coverage and making an informed decision is easier when you know what you are looking for.

What Is Commercial Auto Insurance Policy?

In the same way that personal auto insurance policies provide financial protection against injuries and other liabilities, a commercial auto policy offers coverage against collisions and uninsured drivers.

The benefits of business auto insurance include protection against financial loss if you suffer an accident, disaster, or damage to your vehicle. Commercial auto insurance cover three basic components:

  • Physical damage insurance − This typically covers collision and comprehensive coverage.
  • Liability coverage – This consists of bodily injury and property damage coverage, as well as uninsured and underinsured motorist benefits.
  • Other coverage − These may include medical and towing payments, rental reimbursement, and auto loan or lease gap coverage.

What Does Commercial Auto Policy Cover in Texas?

In addition to covering cars, trucks, vans, and other vehicles used by your business, a commercial auto policy offers a variety of coverage options.

Collision Insurance

This provides coverage for any damage to your vehicle caused by a collision with another vehicle, a collision with another vehicle, or a rollover, no matter who is at fault. If you finance or lease your vehicle, collision coverage may be required.

Comprehensive Insurance

Just like with personal auto policy, your vehicle is covered if it is damaged by a cause other than an accident. An example of such a cause may be theft, flooding, vandalism, earthquakes, fire, or damage caused by birds or animals.

Liability Insurance 

If you are at fault in an accident, your insurance covers bodily injury and property damage to others’ vehicles. In addition to paying others’ medical expenses and lost wages, bodily injury pays your legal expenses if you are sued.

Uninsured Motorist Coverage

If you are hit by an uninsured and, in some states, unidentified driver, this coverage will pay for your injuries and property damage.

Underinsured Motorist Coverage

In a no-fault state, each driver’s auto insurance policy responds to their losses if the at-fault driver does not have enough insurance to cover their bills.

Property Damage Liability Coverage

Ensure your car is protected if you accidentally damage another person’s property. Moreover, commercial auto policies with this coverage cover legal fees.

Combined Single Limit (CSL)

In most liability policies, property damage claims are subject to separate limits from injury claims. A combined single limits policy covers both bodily injury and property damage regardless of whether it affects one person or several people.

Medical Bills, No-Fault, or Personal Injury Coverage

No matter who is at fault in an accident, your policy shoulders the medical payments of the driver and passengers and other expenses.

Additionally, comprehensive coverage will protect your commercial vehicles from damage caused by fire, theft, hail, and floods.

Get the Best Commercial Auto Coverage With Stampede Insurance

If your small business operates a commercial vehicle for business purposes, you must purchase commercial auto insurance to protect your property. This will safeguard your employees, products, and vehicle itself from many of the risks they might face on the road.

As a trusted insurance company, our mission at Stampede Insurance Services is to provide our clients with the best coverage for their business insurance needs.

Having served many clients around the country over the past ten years, Stampede Insurance has a wide range of insurance solutions to offer. As an insurance company, we stand apart from our competitors because of our dedication and passion for resolving your business requirements.

  • Our goal is to find the best coverage possible for you by working with top-rated companies.
  • By evaluating your business’s needs and risks, we can tailor an insurance package that meets your needs.
  • As a company, we are committed to providing the highest level of customer service.

We are more than happy to assist you with any questions, comments, or concerns that you may have about commercial auto insurance costs and commercial auto insurance FAQs.

Commercial auto insurance gives you peace of mind about being compensated in case something does go wrong so that you can fix or replace your commercial vehicle at a minimum cost.

With many different options, commercial car insurance can be confusing. From Nevada to Arizona to New Mexico, Stampede Insurance can help you with your commercial vehicle insurance needs! For a free commercial auto insurance quote, contact one of our agents at Stampede Insurance.

Weather in Austin, TX

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13mph

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Located in Pasadena, California. We also serve the Anaheim, Long Beach, Los Angeles, Riverside, and San Bernardino areas.  
Licensed in Alabama, Arizona, California (#0H18184), Florida, Kansas, Kentucky, Louisiana, Mississippi, New Mexico, Nevada, Oklahoma and Texas
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