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If you use vehicles to provide mobility for your employees, equipment or products, you cannot operate without comprehensive company car insurance. Whether you make deleiveries, transport equipment, or make service calls, you need commercial insurance that fits your business. Some of the coverage available include:

• Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

• Property damage liability coverage – provides you with protection if your vehicle accidently damages another persons property. It also provides you with a legal defense.

• Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.

• Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

• Comprehensive physical damage coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

• Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.