These conditions are different in every state so consult your state's insurance department for a comprehensive list of principles. Commercial auto insurance policies mainly include similar fixed coverages and offer similar possible coverage as the general auto insurance policy. The main and most common fixed and optional commercial auto insurance coverages, which might be included in your business auto insurance police, are:
Accident profits coverage - is offered by most insurance companies. It generally provides reimbursement for medical and therapy treatments, funeral costs, loss of earnings because of disability and death. Intermediary Liability coverage - offers coverage, if while driving your business auto, the driver is held officially for injuring someone else, or damaging another's property. If your driver is arrested for more than the coverage, than your company might be responsible for it.
Uninsured, Underinsured and Unidentified Motorist coverage - this is widespread type of coverage. Though the name may differ in different states and in different companies, the main principles are the same. This coverage provides compensation if the driver of your commercial auto is wounded or killed because of the fault of an uninsured or underinsured driver, or by an unidentified auto. Direct Reimbursement - Property Damage - this coverage provides reimbursement for damage to your automobile and any possdssions in it, if your commercial auto's driver is not guilty in an accident.