So, you’re cruising around Chelan County in your trusty company van, delivering pastries from Pybus Public Market to the good folks of Wenatchee, when BAM! A deer leaps out from behind a tree. Your day just went from doughnuts to “Oh, sugar, honey, iced tea!” This is where commercial auto insurance swoops in like an osprey grabbing a river trout.
Commercial auto insurance covers quite a bit – think of it as a superhero with many powers. First up, we have liability coverage. If you cause an accident (like that time you bumped into a statue at Riverfront Park because you were distracted by a squirrel), liability coverage pays for the damages to the other person’s car and their medical bills.
Next, there’s collision coverage, which helps pay for the repairs to your own vehicle if you’re involved in an accident. So, when that white tail deer incident happens, your insurance can help fix your van faster than you can say “New York Minute .”
Comprehensive coverage is like the Swiss Leatherman multitool of your policy. It covers theft, vandalism, and those pesky natural disasters. For example: You parked your delivery truck at the Apple Blossom Festival, and someone decides to graffiti a masterpiece to raccoons on your side door. Comprehensive coverage has you covered!
Don’t forget about uninsured motorist coverage. If some nincompoop without insurance hits you, this part of your policy makes sure you’re not stuck paying the bills. Washington state has a fair amount of these so we do not recommend skipping this coverage.
And last but not least, we have medical payment coverage. This one’s straightforward – it helps cover medical expenses for you and your passengers if you’re hurt in an accident, no matter who’s at fault. Whenever, you go to the doctors and they ask if this was because of an accident, this is the coverage that they are looking for. Think of it as a little band-aid for your wallet.
So, next time you’re driving on 97 to Entiat for a delivery, remember that your commercial auto insurance is your trusty sidekick, ready to jump in and save the day when things go awry.
Topics: Progressive, Commercial Auto, company car, collision coverage, collision coverage, delivery, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,
