COMMON BUSINESS AUTO EXAMPLES:

CONSTRUCTION

FOOD SERVICES, RESTAURANTS, PIZZA DELIVERY

DIRT, SAND, GRAVEL

LANDSCAPING, SNOWPLOWING

COURIER, MAIL & NEWSPAPER DELIVERY

MANUFACTURING

PASSENGER TRANSPORTATION (NOT FOR HIRE)

TOWING SERVICES, GAS STATIONS & AUTO REPAIR

TRUCKING FOR-HIRE

BUSINESS AUTO INSURANCE:  This is a vehicle insurance policy that provides financial protection for a business' vehicles and its drivers.

BODILY INJURY LIABILITY:  This provides coverage in the event a covered vehicle causes injury or death to another person and the insured is considered at-fault for the accident.  It covers expenses related to medical costs, lost wages, sickness, death, and pain and suffering for an injured third party.  It also covers legal defense costs related to claims against covered damages.

PROPERTY DAMAGE LIABILITY:  This provides coverage in the event a covered vehicle causes damage to any property and the insured is considered at-fault for the accident.  It also covers legal defense costs related to claims against covered damages.

UNINSURED MOTORIST COVERAGE:  This provides coverage for damages which an insured is legally entitled to recover from another party who is considered at-fault for an accident, but is uninsured.

UNDERINSURED MOTORIST COVERAGE:  This provides coverage for damages which an insured is legally entitled to recover from another party who is considered at-fault for an accident, but is underinsured for the level of damages.

COMPREHENSIVE COVERAGE:  This provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision.  This includes damages due to fire, theft, vandalism, windstorm, or contact with an animal.  It pays to fix your vehicle less the deductible you choose.

COLLISION COVERAGE:  This provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn.  It pays to fix your vehicle less the deductible you choose.

MEDICAL PAYMENTS:  This provides coverage for certain medical and funeral expenses for all those occupying a covered vehicle involved in an accident regardless of who is at fault.

HIRED AUTO LIABILITY:  This covers any non-owned, unlisted vehicle the insured has leased, hired, rented or borrowed.

EMPLOYER'S NON-OWNERSHIP LIABILITY:  This covers employees using their own (unlisted) vehicles incidentally in the course of doing business.

ROADSIDE ASSISTANCE:  This covers the cost of roadside assistance in the event of a mechanical breakdown, dead battery or flat tire.