Commercial Driving Is A Risk But Doesn't Have To Be A Financial LiabilityCommercial Driving Is A Risk But Doesn't Have To Be A Financial Liability

Chances are that you have been in one or more car accidents since you’ve received your driver’s license or you have family and friends who have been involved in accidents. Did you know that the average person has approximately four accidents in his or her lifetime of driving?Everything and everyone that surrounds you can be a potential risk to your safety. Now, what if daily driving is your career or part of your job? Your risk of getting in an accident is significantly higher. Itis even more of a risk if you transport valuable goods or people. Contrary to popular belief,commercial auto insurance is not only for truck drivers or professional race-car drivers sponsored by Tide or DuPont.Ask yourself a few questions in order to determine if you should get an auto insurance quote.

Mind Your Own Business

Are you a general contractor for any construction services? Are you part of a taxi service? Do youpickup or deliver goods, such as food, newspapers or moving supplies?Does your vehicle have a ladder or toolbox mounted to it, or do you haul supplies that support any business endeavor? Are you a real estate agent who takes clients around town every so often?

If you answered any of those questions with a yesor are unsure, think about consulting an underwriting expert. A professional can help determine if you need commercial auto insurance and can provide you with an auto insurance quote. Having adequate coverage for yourself, your vehicle and other people can be a huge lifesaver.

Guard Your Treasures

Commercial auto insurance provides similar coverage as your private auto insurance. It encompasses comprehensive, collision, liability, medical payments, uninsured motorist, towing coverage and much more. Every insurance policy comes with standard features, but depending on your situation and needs, more features can be added to it. An expert advisor can help you find the right blend of coverage that you desire and offer you affordable auto insurance.

While commercial auto insurance does not need to be expensive, it also has the advantage of being tax deductible in some cases, no matter if you are an employee or self-employed. However, when it comes to covering yourself and others, it should not be the upfront cost involved for this particular insurance that is on the forefront of your mind when you make this important decision. Commercial auto insurance can be helpful if you don’t have the financial assets to provide for any loss, damage or injury incurred, or if you can’t come up with enough money to replace important company equipment that might getruined in an accident. Cutting corners in regard to insurance canthrow your whole life off course.


Travel a Path Well Protected

Life is full enough of risks as it is. Being prepared for the unexpected is something to always bear in mind. Professional insurance agents are there to assist you in providing you with an auto insurance quote tweaked to your own needs that can ensure peace of mind while you concentrate on your business.
by Ralph Francis
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