Commercial Truck Insurance Louisiana
Category: Commercial Truck Insurance Louisiana
Truck Insurance New Orleans
Truck Insurance New Orleans – Do You Need Commercial Auto Insurance?
Do you need Commercial Truck Insurance in New Orleans or the nearby locales?
Are you a new business venture looking for affordable insurance rates for your vehicle or fleet so that you can open for business? Or are you an established business owner shopping the market for a better policy for your fleet?
In any case, Jeff Davis Insurance can help you out.
To inquire about free quotes for Commercial Truck Insurance in New Orleans call us today toll-free at 337-824-4455.
Our doors are open every Mon through Fri from 8:00 am to 12:00 pm and from 1:00 pm to 4:30 pm CST.
You can also begin the quotes process yourself online by visiting our quote request page. To access this page, click on a town from those listed below:
New Orleans Truck Insurance – Coverage Scenario Part 6
In part 5, a driver named Buford who works for Quick Rick’s Slick Towing had just been dispatched to tow a customer’s vehicle.
We mentioned that Buford is a dependable tow truck operator who has been in the business for many years.
The location he needs to reach is on the opposite end of town. Because of the time of day and the apparent traffic, Buford decides to take the scenic route around the outskirts of town to reach his destination.
Let’s jump back in and find out what happens next.
Buford drives a few blocks beyond the city proper and takes a right onto a winding road that snakes around the eastern edge of town.
He has always enjoyed driving this route when he can because most of it is lined on at least one side by forest and brush. Some parts of the road are lined by forest trees on both sides.
Taking advantage of this pleasant little detour, Buford cranks up his radio and sings along to one of his favorite driving tunes that just so happened to start playing at this moment.
Buford is really enjoying this break from his usual routine. He’s enjoying it so much, in fact, that he is no longer concentrating very hard on the road ahead of him as he drives.
He rolls down his window to let the breeze in and continues singing along with the radio while he takes in the serene scenes of nature around him.
In his absent-minded state, he does not notice the danger on the road up ahead…
What is this danger? Find out next time in Part 7.
Truck Insurance New Orleans – Call 337-824-4455 Today!
Talk to an agent today or click on one of the links below to start your free estimate for Louisiana Commercial Auto Insurance!
Commercial Truck Insurance Louisiana
If you’re looking for commercial truck insurance in Louisiana the Jeff Davis Insurance agency can help you find the coverage you need.
Call us at 337-824-4455 when looking for commercial truck insurance companies in Louisiana.
We offer all forms and types of commercial truck insurance in Louisiana including the following:
- Tow Truck Insurance Louisiana
- Dump Truck Insurance Louisiana
- Owner Operator Insurance Louisiana
- Moving Truck Insurance Louisiana
- Truck Cargo Coverage Louisiana
- On Hook Coverage Louisiana
Commercial Truck Insurance Louisiana – What is Needed?
There are different types of coverage that may be needed for one type of commercial trucking operations but not necessary for another.
Because of this it’s important to speak with one of our license representatives who can prepare quotes based on what you might need for your business.
For example let’s assume you own a tow truck company providing towing services.
In addition to the necessary commercial auto trucking insurance, it would likely be a good idea for you to consider On Hook Coverage, Garage Keepers Liability Insurance, and General Liability Insurance.
What Is Louisiana On Hook Insurance Coverage?
Notice the coverage definition from one insurance policy:
Coverage: “We” will pay damages, other than punitive or exemplary damages, for which an insured is legally liable because “property damage” to a “towed auto” or “towed watercraft” caused by the following:
- Fire or Explosion;
- Mischief or Vandalism;
On Hook Claims Example:
You receive a call from the local municipality for a disabled vehicle on Interstate 10 and you meet Joanne Arnaud whose 2009 Ford Escape stalled out as she was driving and will not start.
You double check to make sure her battery is okay and apparently it is some type of mechanical defect. You asked Joanne where she wants the vehicle towed and she tells you to take it to Smiley’s Auto Garage.
You let Joanne know what the charge will be and collect a payment from her just as her husband arrives on the scene. She agrees to meet you at Smiley’s Auto Garage.
You prepare Joanne’s Ford Escape for transport and as you are pulling onto the exit for Smiley’s 4 miles down the road a vehicle being chased by the police hits Joanne’s Ford Escape causing it to come off your Wheel Lift.
The person being chased by the police is apprehended, your tow truck is damaged and Joanne’s Ford Escape is completely destroyed. Joanne wants to turn a claim into your Louisiana commercial truck insurance policy.
You object that it isn’t your fault but just to be sure you turn the claim into your insurance company and they agree to accept liability for the claim because they feel you contributed to the claim by not moving out of the way fast enough so they pay Joanne $8,715 for the loss of her Ford Escape and $1987 to you to repair your Wheel Lift. (Wheel Lift was paid by your physical damage coverage)
Your claim was approved for the damage to Joanne’s Ford Escape because you purchased the Louisiana On Hook coverage endorsement.
*There may be additional coverages that would be important for you to purchase when you are shopping for commercial truck insurance in Louisiana, please speak with us directly to learn more.
Call Us Today When Searching for Commercial Truck Insurance Companies in Louisiana.
We can be reached by dialing 337-824-4455 Monday through Friday 8 AM to 4:30 PM.
We will take time to discuss your needs for commercial trucking insurance and prepare quotes based on your needs.
We offer Truck Insurance programs in the following cities of Louisiana:
- Tow Truck Insurance New Orleans
- Baton Rouge Tow Truck Insurance
- Tow Truck Insurance Lake Charles
- Shreveport Tow Truck Insurance
- Tow Truck Insurance Lafayette Louisiana
- Metairie Terrace Tow Truck Insurance
- Tow Truck insurance Monroe Louisiana
- Jennings Tow Truck Insurance
Truck Insurance Lake Charles
Tag: Commercial Truck Insurance in Lake Charles Louisiana
Truck Insurance Lake Charles
Truck Insurance Lake Charles Louisiana – Better Rates Can Be Found Here!
For better rates on Commercial Truck Insurance in Lake Charles Louisiana or any of the outlying towns and neighborhoods, call Jeff Davis Insurance today, toll-free, by dialing 337-824-4455.
Our office is open every Monday through Friday, and you can also submit a quote request by clicking on one of the locations listed here:
Lake Charles Truck Insurance – Coverage Scenario Part 2
In Part 1 of our latest coverage scenario we met Rick and Nick, old friends who grew up together in the same town, went to the same schools, and worked together under the same employer, TJ’s Titanic Towing.
We also learned that, after many years working for TJ’s Titanic Towing, Rick relocated his family to a nearby town after his wife started a new job there.
Nick, meanwhile, purchased TJ’s Titanic Towing after the owner decided to retire and sell off the business.
We left off as Nick is about to call his old pal Rick to tell him the news.
Nick picks up the phone and dials Rick’s number. Rick answers and the two proceed to do some long overdue catching up.
After regaling each other with stories of the major happenings in the past several months of their lives, Nick finally gets around to telling Rick about how he recently acquired TJ’s Titanic Towing and achieved his dream of being a business owner.
Rick congratulates his old friend, and then surprises him with some big news of his own: Rick recently started his very own towing business in his new town.
Nick is overjoyed to hear of his friend’s success, and the two have a good laugh about how they have always done everything together their whole lives but neither expected that they would both begin operating towing businesses at almost the exact same time.
After telling each other about their respective towing operations, the subject shifts to insurance. Rick is looking for some advice on purchasing a solid business auto coverage plan for his small fleet of tow trucks.
Rick, having received some very good advice about a number of business concerns from his former boss, TJ, tells Nick what he knows and makes some recommendations. He suggests Nick contact the insurance agent Rick uses because he has always been provided with great service.
After wrapping up their conversation, Nick decides to take Rick’s advice and calls up the agent Rick recommended.
So far so good for Rick and Nick, but trouble is on the horizon. What will happen? Find out next time in Part 3!
Louisiana Commercial Auto Insurance
Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at Blumberg and Associates, Inc will help you find the best coverage you need for your business.
Why do you need Louisiana Commercial Auto Insurance? – In general, if an auto is used in tasks related to the operator’s occupation, profession or business, other than commuting, a commercial policy is necessary.
- If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
- A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
- Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.
- A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.
What does Commercial Auto Insurance cover? – Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to Louisiana businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?
- Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
- Property damage liability coverage – provides you with protection if your car accidentally damages another persons property. It also provides you with a legal defense.
- Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
- Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
- Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
- Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
- Collision coverage – pays for damage to your car when it hits or is hit by another object.
Providing Commercial Auto Insurance in Louisiana
With many different options, commercial car insurance can be confusing. We can help you with your commercial vehicle insurance needs in Baton Rouge Louisiana including the Baker, Gonzales, Hammond, Walker, and Zachary areas. So contact one of the agents at Blumberg and Associates, Inc for your Louisiana commercial auto insurance needs.
Louisiana Commercial Vehicle Insurance
Get Great Louisiana Commercial Vehicle Insurance
Most car-owners understand their need for personal auto insurance. However, did you realize that if you are a business owner whose company owns and manages a vehicle, or a fleet of vehicles, you will need to meet specific insurance requirements with a commercial vehicle policy? In a state such as Louisiana, where the roads are filled with commercial vehicles of all types, it is necessary to evaluate your insurance needs and get adequate coverage.
Whether your business uses cars, trucks, vans or even buses to transport people or goods, you will need to cover them with Louisiana commercial vehicle insurance. The type of policy you need will depend on the type of vehicles you or your employees operate.
Commercial Truck Accidents in Louisiana, 2011
- 85 people were killed as a result of an accident involving a commercial vehicle
- Nearly 1,600 commercial vehicle accidents resulted in injuries
- 87 accidents involved vehicles carrying hazardous materials
- High-crash locations include the Interstate 10/12 Corridor and the Interstate 20 Corridor
Although you cannot predict whether or not you or your employees will be involved in an accident, you can be proactive by securing sufficient coverage with a suitable Louisiana commercial vehicle insurance policy.
Evaluate Your Need for Louisiana Commercial Vehicle Insurance
The first step toward getting the right insurance coverage is to identify your needs. If you own and use vehicles, such as a fleet of semi-trucks, entirely for business purposes, you will obviously need commercial vehicle coverage. However, if you occasionally use your personal vehicle for work-related purposes, you may be able to just purchase at-hire or non-owned vehicle liability coverage through your business insurance policy.
As a business owner, you may not be sure just how much coverage you need, or where to find a reasonably-priced policy. If you have difficulty evaluating your specific situation, an independent insurance agent can serve as a helpful resource for analyzing your needs.
What Louisiana Commercial Vehicle Insurance Covers
Your state requires auto liability insurance coverage because it serves to protect vehicle owners and other parties involved in accidents. Your commercial auto policy helps mitigate your financial liability in the event of an accident. And, since your vehicles may be transporting people or valuable goods, you will likely appreciate the added protection a required insurance policy offers.
The main thing that your commercial auto policy will cover you against is liability. If you, or one of your employees, cause damage to another while using a company vehicle, your business can be sued. Liability coverage will protect your company from these excessive costs so you can continue your business operations unhindered.
Policies will also have a variety of coverage options. These include:
- Collision insurance: This covers damages to your vehicle if you or your employees are at fault for a vehicular collision.
- Comprehensive insurance: This covers damages to your vehicles that are caused by things that are unrelated to a collision such things as weather damage, theft, and vandalism.
- Medical payments insurance: This covers any medical expenses necessary to treat the drivers and passengers of your company vehicles if they are injured in a motor vehicle collision for which your driver is at fault.
- Uninsured/underinsured motorists insurance: This covers property damage and bodily injury you, your employees and passengers if they result from an accident caused by an uninsured or underinsured third-party.
Closely review any Louisiana commercial vehicle insurance quotes or policies you are offered prior to making a purchase. That way, you can ensure that you are getting all the coverage you need and want.
How an Independent Agent Can Help You Find the Right Policy
Finding the right policy at the right rate requires you to comparison shop. You have the option to seek commercial vehicle insurance on your own by contacting several individual companies, but this can be time-consuming and frustrating. To save time and money, consider working with an independent agent in the Trusted Choice® network. These agents work with multiple highly-rated insurance companies to build you a policy that best meets your needs.
Allow a Trusted Choice member agent to review your business vehicle situation, answer your insurance-related questions and help you compare a variety of Louisiana commercial auto insurance quotes and policies so that you can focus on running a successful business. Find a member agent with an office near your home or office today to learn more.