Did you know that Worcester, MA commercial car insurance covers your legal fees and other expenses if a vehicle that’s owned by your business is involved in an automobile accident? In addition, it’s required for all commercial vehicles in the Commonwealth of Massachusetts. That means any Worcester, MA business or organization that utilizes vehicles for business related purposes, needs to ensure that they have a Worcester, MA commercial car insurance policy in place. It will cover any vehicles that are owned by your company.
Furthermore, your personal car insurance policy covers you when driving your personal vehicle to and from work. However, it will not cover you if you’re picking up supplies, making deliveries, or using the vehicle for any other work specific activity. On the other hand, your Worcester, MA commercial car insurance policy does cover you and your personal vehicle if you’re in a work related automobile accident. For example, if you’re picking up supplies on your way home from work in a pickup truck that you utilize for personal use, and get involved in a car crash, your commercial car insurance will cover you.
However, your personal car insurance policy will not. The bottom line is that Worcester, MA commercial car insurance is incredibly important. In essence, your business could very well face both legal and financial problems without it. If one of your work vehicles is at fault in an accident, you will most likely be facing a lawsuit or expensive settlement. That means you’ll need to pay out of pocket for any related costs such as medical fees, lost wages, pain and suffering, and property damage. That can add up to tens if not hundred of thousands of dollars.
Imagine having to pay that out of pocket? In some cases, it could put you out of business. In addition, you can face large fines and penalties for having a commercial vehicle on the road without a Worcester, MA car commercial car insurance policy in place. For example, you would be facing imprisonment for up to 12 months, and or a fine of up to $5,000. Your license will also be suspended for 60 days. It’s certainly not worth risking going to jail. Your independent insurance agency will recommend the best coverage for you and your business based on the type of commercial vehicles that you own or lease, and how you utilize them.
If you operate a commercial vehicle in Worcester, MA or surrounding areas then you need to ensure that you have the proper insurance coverage in place. We can help you get the best deal on all of your personal and or business insurance needs. Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies.
Call (508) 831-0133 to contact an associate at Zawada Insurance to walk you through the details of your Worcester, MA commercial car insurance policy and explain your coverage options. We look forward to helping you with all of your personal and or business-related insurance needs now and in the future.