User:ASMITH725/sandbox

Comercial auto insurance, as its name implies is an insurance for commercial vehicles.Vehicles that are included under these policies include vehicles such as cars, trucks, vans, buses and trailers. Because these vehicles are often much larger than the standard means of transportation, the insurance for these policies are often a bit more costly than that of a noncommercial auto policy. Some of what is covered in a acommercial auto insurance policy applies to things such as medical expenses after an accident, drivers who have little to no insurance, bodily injury, liability, propoerty damage and liability, motor truck cargo, product damage and liability, damage caused by a collision or fire, glass breakage, or theft. Different types of vehicles (i.e. a sedan vs. an 18 wheeler truck) will have different cost to insure. Furthermore, costs vary from state to state. Some states may charge for a commercial insurance policy by the weight of the vehicle, while some may have a set price by the make of the vehicle. Some of the possibilities that are available when considering a commercial auto insurance policy are: business interruption coverage- this policy protects you from lost wages that were covered under the insurance policy, umbrella coverage- provides a higher liability than primary commercial auto insurance coverage does, tool & equipment coverage- protects both tools and equipment that was stored in a company vehicle, rental reimbursement- cover the cost of renting if it becomes necessary for the vehicle to be replaced or repaired, cargo coverage- will protect  inventory while in storage or in transport, crime insurance, protects from burglary or theft, even if the buglaruy or theft is at the hands of an employee.