For any Utah business that relies on vehicles to carry out daily operations, commercial auto insurance in Utah is a must. Whether you have a single company car or an entire fleet, selecting the right policy is crucial to ensuring that your vehicles and assets are protected. With so many options available, it’s important to know which features to look for when choosing commercial auto insurance in Utah. Here are the top features to consider to ensure you’re getting the best coverage for your business.
1. Liability Coverage
Liability coverage is one of the most essential features of commercial auto insurance in Utah. It protects your business from financial loss if one of your vehicles causes bodily injury or property damage to a third party. This coverage is typically required by law and ensures that your business can handle legal costs, medical expenses, and damage repairs in the event of an accident. Make sure your policy includes adequate liability limits to cover potential claims.
2. Comprehensive Coverage
Comprehensive coverage protects your vehicle from damage that occurs outside of a collision, such as theft, vandalism, or natural disasters. If your company vehicle is damaged by a fire, hail, or flooding, commercial auto insurance in Utah with comprehensive coverage can help cover the repair or replacement costs. This feature is especially important for businesses with vehicles exposed to a range of risks or those operating in areas prone to severe weather.
3. Collision Coverage
If your vehicle is involved in a crash, collision coverage helps pay for the repair or replacement costs, regardless of who is at fault. For businesses that rely on their vehicles for deliveries or other important tasks, this coverage is critical to getting back on track quickly after an accident. Commercial auto insurance in Utah with collision coverage helps minimize downtime and ensures that your business can continue to operate efficiently.
4. Uninsured/Underinsured Motorist Coverage
Utah’s roadways are shared by a mix of drivers, and not all of them have adequate insurance. Uninsured/underinsured motorist coverage protects your business if one of your vehicles is involved in an accident with a driver who has no insurance or insufficient coverage. This feature is important for protecting your business from the financial strain of accidents caused by drivers who aren’t properly insured.
5. Medical Payments Coverage
In the event of an accident, medical payment coverage helps pay for medical expenses for you and your employees, regardless of fault. This can include doctor’s visits, hospital stays, and rehabilitation costs. For businesses with employees who frequently drive for work-related tasks, this coverage provides peace of mind knowing that medical bills won’t be a financial burden.
6. Roadside Assistance Coverage
Breakdowns happen unexpectedly, and when they do, you’ll want to ensure that your business is prepared. Roadside assistance coverage provides help if your vehicle breaks down while on the road, covering costs such as towing, fuel delivery, tire changes, and lockout assistance. This feature can save your business valuable time and money by minimizing vehicle downtime.
7. Rental Reimbursement Coverage
If your company vehicle is out of commission due to an accident or mechanical failure, rental reimbursement coverage ensures that your business can continue to function smoothly. This coverage helps pay for the cost of renting a vehicle while your company’s vehicle is being repaired. Commercial auto insurance in Utah with rental reimbursement ensures that you don’t experience disruptions to your business operations during repairs.
8. Customizable Coverage for Your Business Needs
Every business has unique insurance needs, and your commercial auto insurance in Utah should reflect that. Look for a provider that offers customizable coverage options, allowing you to select the features that align with your specific business requirements. Whether you need coverage for multiple vehicles, specific types of cargo, or additional liability protection, your commercial auto insurance policy should be flexible enough to fit your needs.
Why Choose PDR Insurance for Your Commercial Auto Coverage?
At PDR Insurance, we understand that no two businesses are alike, which is why we offer commercial auto insurance in Utah tailored to your specific needs. Our experienced agents are here to guide you through the options and help you choose the coverage that provides the protection you need at a price that works for you.
Contact PDR Insurance Today
Protect your vehicles and keep your business running smoothly with the right commercial auto insurance in Utah. Call PDR Insurance today or visit our contact page to get a customized quote.