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Insures your vehicle for physical damage and liability coverages for amounts, situations and usage not covered a variety of vehicles ad is also referred to us as Commercial Car Insurance, Truck Insurance or Fleet Insurance. Our agents at Estrada & Associates Insurance will help you find the best coverage you need for business. 

Why do you need Texas Commercial Auto Insurance?

In general, if an Auto is used in task 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.

  • 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, equipment or towing a trailer used to conduct. 


A Commercial Insurance policy may be if employees operate the auto or if the ownership is in the name of a corporation or partnership. 

What does it 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 Texas 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.


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 person’s 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.

With many different options, commercial car insurance can be confusing and we can help you understand. So contact one of the agents at Estrada & Associates Insurance for your Texas & New Mexico commercial auto insurance needs.

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