When it comes to insuring multiple cars owned and operated by a business, there is the need to check into the options for commercial auto insurance in Wichita KS. The goal is to lock in the best possible benefits for the most competitive terms. This is especially important if those vehicles are in constant use, and may even be utilized for traveling outside of the local area.
The right type of commercial auto insurance will offer the same range of basic coverage provided in any type of car or truck insurance plan. This will include collision protection that can help to pay damages that result from an accident. Liability coverage is also included in the package, making it possible to cover all expenses if the other party or parties involved in the accident do not have coverage. There are even provisions for medical care in the event that someone is injured as the result of the accident.
When considering the merits of commercial insurance policies, it pays to look closely at any maximums or limits that are defined in the terms and conditions. Are the stated benefits applicable for only a certain number of accidents per calendar year? Are there upward limits on some of the coverage, such as the major medical? Knowing what the plan will provide with certain types of covered events, and how often those benefits can be called upon, will go a long way in determining whether a given policy is really worth the premium.
Additional Coverage for Business Owners
The experts at the Andy Woodward Insurance Agency highly recommend that business owners consider locking in additional benefits that could come in very handy with certain types of situations. Along with honoring any awards that a judge may make to an injured party, there is the matter of covering the attorney fees. Choosing a plan that will help cover just about any type of expense that could result from the accident will go a long way in protecting the assets of the company.
When comparing plans for commercial auto insurance in Wichita KS, it certainly helps to ask about discounts for covering multiple types of vehicles. This would mean that by adding the vehicles used by the sales team along with the trucks used in the course of regular business, the company owner can enjoy greater benefits for a lower cost.