Commercial Auto Coverages
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Coverages
Covers the cost of repairing or replacing your vehicle when you’re involved in an accident.
Pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Bodily Injury, Property Damage, Uninsured Motorist and Underinsured Motorist are just a few of the liability coverages offered.
Coverage automatically extends to recently purchased vehicles.
These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a family member.
Lock your keys in the car? Run out of gas? No Problem®! If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need. Customers with this coverage can call us at 1-888-TOW-AOIC (1-888-869-2642) 24 hours a day, 7 days a week, 365 days a year in all 50 states and Canada.
When you can’t use your vehicle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental car. And, if you’re stranded away from home will cover food, lodging and other incidental expenses.
Optional Coverages
Provides liability for any vehicle used in your business. Includes owned, leased, hired, rented or borrowed vehicles.
Provides liability for vehicles you hire, rent, lease or borrow.
Provides Comprehensive and Collision coverage for autos you hire, rent, lease or borrow.
Provides liability coverage when employees use their own vehicles for your business.
Covers any real or perceived reduction in market value when a vehicle is repaired after an accident.
Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.
The second you drive your vehicle off the lot, it begins to lose value. If you are involved in an accident, you’re liable for the difference between the current value of your vehicle and the amount still owed on your lease or loan. That difference between value and the amount still owed is covered by this endorsement.
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Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
Coverage Disclaimer - White
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.