Washington and Oregon Commercial Auto Insurance Quotes
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Low-Cost Commercial Auto Insurance from Vern Fonk
If you own a small business and use your vehicle for your own personal use, oftentimes a personal insurance policy is all you need for Washington or Oregon commercial auto insurance coverage. That said, if you operate vehicles to transport products or people, require high liability insurance, haul equipment, or have other similar special needs, then a commercial auto insurance policy is probably best for you. A commercial auto insurance policy covers certain legal liability resulting from bodily injury or property damage caused by the vehicles used in your business.
At Vern Fonk, we provide both Washington commercial auto insurance and Oregon commercial auto insurance, making sure to get you the best rates for your business.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist’s coverage. However, there are also differences between a commercial auto insurance policy and your personal auto insurance policy that may include eligibility, definitions, coverages, exclusions and limits. Most commercial auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.
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Vern Fonk Offers the Following Commercial Vehicle Insurance Coverage
Bodily injury liability coverage
The policy pays when you are legally liable for causing bodily injury to another person.
Property damage liability coverage
The policy provides protection if your commercial vehicle accidentally damages another person’s property.
Combined single limit
Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount per covered occurrence whether bodily injury or property damage, occurs to one person or several.
Medical Payments or Personal Injury
This policy usually pays for the medical expenses of the driver and passengers in your commercial vehicle incurred as a result of a covered accident regardless of fault.
Uninsured motorist coverage
This policy pays for your injuries, and in some cases, certain property damage caused by the uninsured or a hit-and-run driver. This is for cases where the at fault driver has insufficient insurance.
Comprehensive physical damage coverage
This policy pays for damage to or replacement of your commercial vehicle from theft, vandalism, flood, fire and other covered perils.
The policy pays for damage to your commercial vehicle from collision or upset regardless of fault, subject to your deductible.
Vehicles and Trailers Typically Covered By Commercial Auto Insurance
Full Size Van
Step Van (<10,000 GVW)
Delivery Van (>10,000 GVW)
Pickup Truck (2×4, 4x4, 5th wheel)
Get a Free Washington Commercial Auto Insurance or Oregon Commercial Auto Insurance Quote
Buying commercial auto insurance for your Oregon or Washington business from another business with insurance locations in Washington and Oregon is good for business. In the declining global economy, we can make our local economy strong by working together. At Vern Fonk, we care about the local farmer, contractor, artisan, carpenter, electrician, delivery driver, short-haul trucker, salesman and other business owners. Whether your company needs to purchase a commercial auto insurance policy is dependent on the type of driving your employees do. Our Vern Fonk commercial auto insurance agents will sit down with you and explain your business’s auto insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.