PRK Insurance Agency Inc

Protect Your Business Fleet

Comprehensive Commercial Auto Insurance

Ensure your business vehicles are covered with tailored commercial auto insurance policies. From liability to collision coverage, safeguard your fleet and keep your operations running smoothly against unexpected events.

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Frequently Asked Questions (FAQs) - Commercial Auto Insurance in New York

What is commercial auto insurance?

Commercial auto insurance provides coverage for vehicles used for business purposes, protecting against physical damage and liability claims resulting from accidents.

What does commercial auto insurance cover?

Commercial auto insurance typically covers liability for bodily injury and property damage, collision coverage, comprehensive coverage, medical payments, and uninsured/underinsured motorist coverage.

Is commercial auto insurance required in New York?

Yes, commercial auto insurance is legally required in New York for any vehicle used for business purposes. It ensures that your business is protected against liability claims and vehicle damage.

How is the cost of commercial auto insurance determined?

The cost is based on factors such as the type and number of vehicles, the nature of your business, the driving records of employees, coverage limits, and deductibles.

What types of vehicles are covered under commercial auto insurance?

Commercial auto insurance covers a variety of vehicles, including cars, trucks, vans, and specialty vehicles used for business purposes.

What should I do if my business vehicle is involved in an accident?

If your business vehicle is involved in an accident, ensure everyone's safety first. Then, contact your insurance company to file a claim, document the incident with photos, and collect information from all parties involved.

Does commercial auto insurance cover employee use of personal vehicles?

No, standard commercial auto insurance does not cover employee use of personal vehicles for business purposes. You may need a hired and non-owned auto liability policy for such coverage.

Can I get discounts on commercial auto insurance?

Yes, insurers may offer discounts for having safety features in your vehicles, maintaining a good driving record, bundling multiple policies, and implementing a driver safety program.

How can I lower my commercial auto insurance premium?

You can lower your premium by increasing your deductible, maintaining a claims-free history, implementing safety and training programs for drivers, and regularly reviewing your coverage to ensure it matches your needs.

What additional coverages should I consider for my commercial vehicles?

In addition to standard coverage, you might consider adding hired and non-owned auto coverage, roadside assistance, rental reimbursement, and higher liability limits to ensure comprehensive protection.

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