commercial auto insurance Michigan

What Types of Vehicles are Covered in Michigan Commercial Auto Insurance?

When you think of commercial auto insurance, you might envision a large-sized truck. This is more than likely because trucks are often associated with work vehicles. While trucks are one type of vehicle covered by Michigan commercial auto insurance, trailers, vans, buses, and cars can be too.

Those who typically qualify for commercial auto insurance own a business or use their vehicles for work purposes. The type of vehicle you drive is not as much of a factor as is how you use the vehicle. When you apply for insurance, there will be questions relating to how the vehicle is used. This information lets your insurance company know if your vehicle or trailer should be covered under a commercial auto insurance policy.

Commercial auto insurance policies are similar to personal auto insurance policies, with one main difference being that they provide you with more coverage. When you are a business owner or driving your vehicle for business, you need that extra coverage. If you don’t have the right policy, one accident could cost you a fortune or a lawsuit.

It could be helpful to schedule an appointment with a professional insurance agent to determine whether you qualify for Michigan commercial auto insurance. If you do, you will want the right amount of protection, whether you have one vehicle or a fleet of business vehicles.

An appropriate policy for you will be one that you feel comfortable with and that has high enough liability coverage to protect your assets.

Commercial auto insurance coverage in Michigan

In Michigan, there are two main types of commercial auto insurance policies: physical damage and liability coverage. Included within these commercial auto insurance policies are often six types of coverage.

Collision loss

This pays for repairs to your vehicle when damage occurs from an accident. The damage doesn’t necessarily have to be caused by another vehicle, as it can be caused by a random object (garbage can, rock, etc.) as well.

Comprehensive loss

Comprehensive physical damage coverage pays for damage that comes about from non-collision causes, such as weather, flood, fire, vandalism, or theft.

Bodily injury liability coverage

This coverage pays for accident-related injuries or death when you’re at fault. In some cases, it may even provide you with a legal defense.

Property damage coverage

Property damage coverage pays for accident-related damage to someone else’s property when you’re at fault. In some cases, it can provide you with a legal defense.

Uninsured or underinsured motorist coverage

In an accident where the at-fault driver does not have liability insurance or doesn’t have enough to cover your expenses, you will still be protected through your commercial auto insurance policy.

Personal injury or medical payments coverage

This pays for medical expenses if you or your passenger’s health care insurance does not cover the costs, regardless of fault. This could include needs such as a hospital stay, medication, or x-rays.

Does the state of Michigan require commercial auto insurance?

By law, the state of Michigan does require you to obtain commercial auto insurance. Any company that owns a fleet of automobiles that are designed for commercial purposes needs this special kind of insurance policy. It is the only way to protect yourself, your vehicles, and your business.

You cannot legally drive in Michigan or any state without standard and commercial auto insurance. The main reason for this is because of your liability for any damage you cause. Without an insurance policy, those whose vehicles are damaged or who have been injured would not be protected financially.

You may be a careful and responsible driver, but unfortunately, accidents do happen. While a commercial auto insurance policy protects others when you are at fault, it protects you as well.

Not everyone is a safe driver. Someone may hit your vehicle, resulting in thousands of dollars of damage or medical costs. This is the type of unforeseen and unfortunate event you want to be prepared for.

What types of vehicles are covered under this type of policy?

Commercial auto insurance covers many different types of vehicles. Including but not limited to the following vehicles used for business purposes:

Tow trucks
Trucks for construction
Ice cream trucks
Refrigerated trucks
City buses
School buses and vans
Passenger vans
Home movers trucks and vans
Log haulers
Dump trucks
Garbage trucks
Catering company vehicles used to deliver food and drinks
Limousines

Aside from these vehicles, any automobiles that are being used for business-related services will need commercial auto insurance. However, this does not mean that using your car to run errands on occasion makes your vehicle a commercial vehicle.

Commercial vehicles are used for at least several hours each day. This is why they require a particular policy, as they are on the road longer and exposed to more risks than personal vehicles.

Keep your business protected from the unexpected with Frost & Remer

If you are looking for an affordable yet professional and reputable insurance company, we have you covered.

There are many advantages to choosing commercial auto insurance over any other type of insurance for your business fleet. It will help you protect your wallet, property, and your business name. We know that the last thing you want is for one single accident to put your company in debt or affect your professional reputation.

At Frost and Remer, our customers mean everything to us. This is why we strive to help you feel safe and worry-free. When you know that your vehicles and drivers are insured in one secure policy, it will ease your mind.

Contact us today to ask about commercial auto insurance, and we will give you a full policy review and risk assessment. With this information, we will provide you with the best coverage and a premium you can afford.

Photo: Markus Winkler on Unsplash

Do You Need Michigan Commercial Auto Insurance?

In layman’s terms, Michigan commercial auto insurance is an insurance policy coverage given to any type of vehicle used in corporate services. Insurance plans are important for such vehicles, just like any other, as they daily face high risks. One can experience a huge loss when their commercial vehicle is damaged. Additionally, things may even turn worse when an employee or another party gets hurt in the accident.

The idea of having insurance greatly alleviates the worries of business owners, especially with their assets. To know if you need commercial auto insurance Michigan, Frost & Remer (http://www.InsuranceByFrost.com) shares these details to help you out.

If your business involves deliveries, transporting goods, equipments, employees and other similar uses, then you need Michigan commercial auto insurance. The type of coverage given by this kind of policy is similar to personal auto insurance, only with slight variations. The two main kinds of coverage, which you can avail for your commercial auto insurance are

Property Coverage, which is designed to assure the company in the event that they are faced with major or minor damage due to unfortunate events, in the absence of the willful fault of the company or any of its employees. This may include calamities, accidents and injuries.
Liability Coverage, which serves as a security when a company causes loss or damage on another’s property.

A person or a company is given a guarantee of help and assistance when a damage or loss happens to the vehicle. Alongside this, commercial auto insurance Michigan also provides financial assistance in cases of theft and vandalism.

Michigan commercial auto insurance differs from auto insurance when it comes to premiums. However, you can get the rates lowered through practical means. Hire employees who have a good history of driving. They should also possess a commercial driver’s license.

You will be able to find a good commercial auto insurance Michigan provider on the internet. Or start where you are, right here in Michigan. Frost & Remer offers their commercial auto insurance package in the most reasonable rates. See them now at https://insurancebyfrost.com/commercial-auto-insurance/.

Do You Need Michigan Commercial Auto Insurance?

Property Coverage, which is designed to assure the company in the event that they are faced with major or minor damage due to unfortunate events, in the absence of the willful fault of the company or any of its employees. This may include calamities, accidents and injuries.
Liability Coverage, which serves as a security when a company causes loss or damage on another’s property.

Michigan commercial auto insurance also differs on auto insurance when it comes to premiums. However, you can get the rates lowered through practical means. Hire employees who have a good history of driving. They should also possess a commercial driver’s license.

The Basic Facts about Michigan Commercial Auto Insurance

If you own a car, a truck, or a wide fleet of various automobiles which are designed for marketing and commercial purposes, then you need Michigan commercial auto insurance. This special kind of insurance plan is made especially for vehicles, which are often used for trade. While this works almost similarly with a standard auto insurance plan, a commercial auto insurance Michigan is made to protect a broader aspect of your company vehicle.

To make sure you have your autos covered in terms of property protection, liability and other potential damages, it is important that you purchase Michigan commercial auto insurance. Frost & Remer (http://www.InsuranceByFrost.com) breaks down the essential functions of this plan through this post.

Michigan commercial auto insurance is offered by many major insurers, covering different types of vehicles. Trucks for towing, delivery and construction, buses, passenger vans, garbage trucks, limousines and company vehicles are those, which are popularly insured under commercial auto plans.

Depending on the type of the vehicle to be insured, there will be various aspects in the fine print, which may not be automatically covered and comes with a separate policy. This may include:

Cargo Insurance, which insures the replacement of the worth of the load in the haul
Non-trucking liability Insurance, which provides coverage even with the vehicle is not dispatched
On-hook towing insurance, which is a must-have for every tow truck owners, insures the vehicle, which the two truck picks up.

Along this list are many other options, which can be covered by a policy. Alongside the options, Michigan commercial auto insurance may be a bit more expensive than a regular auto policy. Having larger liability limits is crucial for commercial vehicles, especially when it involves your business. Premium prices, however, can be adjusted to your advantage.

Having a commercial auto insurance Michigan is not optional for any business owners who used vehicles for their companies. This is especially tailor-made for this circumstance, and will benefit businesses in the long run. Consult Frost & Remer about their Michigan commercial auto insurance at https://insurancebyfrost.com/commercial-auto-insurance/.

What Your Michigan Commercial Auto Insurance Can Do for Your Business

Your Michigan Commercial Auto Insurance Can Help Make Your Business Better

Michigan commercial auto insurance can help your business. Really!

We all know that setting up a company is nothing easy; there are many things to consider. You have so many things going on in your mind about keeping the direction of your brand, much more hiring employees, marketing your product, contingency and more. You would want to take your mind off other little problems that will stray your focus away, like a car accident, for instance. Well, this may be the right time to have Michigan commercial auto insurance.

If your vehicles are used to carry out your brand, you’d need this service in order to follow Michigan’s No-Fault rule. But then again, it has many other advantages as well. The dangers of paying a huge amount of bills because of accidents are one thing that could distract your business. That is why purchasing a commercial auto insurance Michigan is very much helpful. Frost & Remer (http://www.InsuranceByFrost.com) list down reasons why you should have Michigan commercial auto insurance, and what wonders it can do for your company:

Accident profits coverage. Offered by most of the insurance companies, it provides payments for medical treatments, lost earnings and even funeral costs.
Direct reimbursement. This provides essential reimbursements for the damages on your commercial auto and any valuables it carries, given that the driver is not guilty of the accident.
Intermediate liability coverage. This provides coverage when your company driver was charged of hurting someone or damaging a property. if the driver’s case is held for more than what the commercial auto insurance Michigan provides, the company will be the one responsible for it.
Family protection coverage. This type of coverage is for the commercial vehicle’s driver, from the actions of someone who is uninsured or underinsured.
Unidentified, Underinsured or Uninsured coverage. This is a common type of coverage which deals with injuries, or death caused by an underinsured or uninsured driver.

Michigan commercial auto insurance includes these coverage and more. Protect your company vehicles and your name; consult Frost & Remer now at https://insurancebyfrost.com/commercial-auto-insurance/.

Factors in Determining the Right Michigan Commercial Auto Insurance

Company vehicles always assist their companies on the road to their success, to which their importance have been very much looked upon by many business owners. Commercial autos are a part to the company’s way of doing business and are a great factor in maintaining the business operations.

Frost and Remer offers Michigan commercial auto insurance coverage

If you are a business owner, you know that your company vehicle needs a good Michigan commercial auto insurance, especially while driving in these no-fault streets.

Having the right commercial auto insurance Michigan is a must, because it protects one of the important utilities of your business. We all know how tricky it is to find the most appropriate plan that will match your budget and lifestyle, so Frost & Remer shares these interesting factors to help you determine the best insurance company.

Know the types of businesses they have experience working with, and see if they are familiar with your line of work. Familiarity is an advantage because the Michigan commercial auto insurance will understand your needs and wants.
How long has the company offered Michigan commercial auto insurance? Experience is another plus factor in dealing with insurance companies.
See if they are open to any specific needs your business will uniquely have. Do they have flexible products? Make sure that your needs are all covered by their policy.
Check their customer service. Does it excel among others? You will need a fast, credible and focused customer service available 24/7. It will also be helpful if they are ready to serve you at nights or even weekends.
Are their rates competitive? How about payment options?
How long will the vehicle down-time be, if ever it occurs?

Knowing the answer to these inquiries will help you get the better view of the commercial auto insurance Michigan Company you are seeking. Don’t settle for anything less. To begin with, Frost & Remer is eager to help you with your commercial auto needs. Visit their website at https://insurancebyfrost.com/commercial-auto-insurance/.

FAQ’s about Michigan Commercial Auto Insurance

Frost & Remer-Commercial Auto Insurance Michigan FAQ — Frost & Remer: FAQ: Commercial Auto Insurance Michigan

Michigan commercial auto insurance is a popular derivation from the traditional auto coverage, except that it insures vehicles that are used for trade. The commercial auto insurance policy will help business owners gain coverage for their fleet of cars (whatever type they are) as well as drivers against injury, damage or loss of vehicles or cargo, and damage to other property.

Basically, Michigan commercial auto insurance provides a more convenient, integrated invoice of your autos, along with other optional coverage which is meant to go along with your vehicles’ characteristics and business preference.

If you are a business owner who uses vehicles for your market, then you will need commercial auto insurance Michigan. Frost & Remer (http://www.InsuranceByFrost.com) dishes out few of the FAQs below:

Question: Do I need this type of insurance?

Answer: For owners of small to medium sized businesses, yes. In fact, this gives you a beneficial coverage when it comes to your vehicle—each and every auto you are using. It also protects your business from probable liability costs from accidents, which involves any of your cars.

Question: How does this type of insurance work?

Answer: Michigan commercial auto insurance is priced with regards to the premium coverage, such as the liability or commercial offerings. Often, these policies contain multiple-auto and claim-free premium benefits, alongside the direct billing and other payment varieties. Usually, these types of plans cover bodily injury, property damage and even medical payments.

Question: What comprises this policy?

Answer: A commercial auto insurance can be perceived as a 6-in-1 policy, providing the notion of six separate policies in one. Some types of coverage are strictly mandatory in Michigan, but there are other options which can be take off in the plan. To reduce the cost, take off those which will not benefit you.

Policies in general, are legal contracts. Therefore as a consumer, you must be aware of what you are buying. Read the policy thoroughly before subjecting to the plan. For a start, choose a reputable company, like Frost & Remer. See their commercial auto insurance here at https://insurancebyfrost.com/commercial-auto-insurance/.

Why You Should Have a Commercial Auto Insurance Michigan

Michigan Commercial Auto Insurance and standard auto insurance may look the same at first glace, but it is actually different. Frost and Remer Insurance explains the significance of having Michigan commercial auto insurance for every business vehicle.

Frost & Remer offers Michigan commercial auto insurance — Frost & Remer Insurance offers Michigan commercial auto insurance

Personal auto insurance and commercial auto insurance may look one and the same, but they are in fact, different. Here in Michigan, where no-fault policy reigns over the streets, it is important to get the right kind of insurance for your vehicle. If you are a regular driver using your Michigan auto insurance for personal means, then you might not need Michigan commercial auto insurance. However, if you are using your vehicle for under the company’s name, Michigan commercial auto insurance is a need; read on below to understand more about this type of policy and how it can be advantageous for you.

Who should get Michigan commercial auto insurance?

Whereas one should think that Michigan commercial auto insurance is for larger firms, owners of small to medium sized companies will find this type of insurance beneficial. This helps protect their owned vehicles against liability costs from any accident which it can be involved in. there is a wide variety of vehicles included in this coverage, such as delivery vans, trailers/tractors, refrigerated trucks, utility autos and private passenger vehicles.

How does Michigan commercial auto insurance work?

Primarily, the legal owner of these commercial vehicles should be principally insured. Overnight premises exposure coverage can be added to protect the company autos, as an extension to the already existing insurance. This policy contains six outstanding components bought in within one package. The Michigan commercial auto insurance includes comprehensive coverage, physical injury coverage, physical injury protection, underinsured and uninsured, and crash protection.

Coverage Options

There are many options included in the Michigan commercial auto insurance, but the most prominently needed is the Liability. This includes bodily injury aspect, paying for the related medical expenses which resulted from the accident, and property damage, which covers the charges for the maintenance, repair or replacement of the damaged items.

Owning a Michigan commercial auto insurance will greatly help your business, guaranteeing the security of your property with an extensive coverage for your future needs. If you are looking for a provider for your commercial auto insurance, why not start with Michigan’s finest: Frost and Remer Insurance (http://www.InsuranceByFrost.com). See their commercial auto insurance Michigan services on this page, https://insurancebyfrost.com/commercial-auto-insurance/.