In Connecticut we’re used to some pretty horrific road conditions. It snows, it sleets and it hails for almost four months, during which time you are expected to operate as well as you do when it’s 80-degrees and sunny. While your production may not dip, working as a commercial truck driver in the winter can be extremely stressful – for very little reward. Sure, you get paid for your job and you’re on schedule because you’re a professional but it would be nice to be thanked for the work you’ve done – at least once and a while. It would also be nice if you no longer had to worry about the financial repercussions of losing your truck in an auto accident. Luckily, with the right commercial auto insurance you should be able to protect you and your small business from an accident. Here’s what you need to know.
What is Commercial Auto Insurance
Commercial auto insurance is designed to protect vehicles that you use in a business capacity. It can be anything from a single small truck to an entire fleet of 18-wheelers. If you use it for work, chances are you will need a commercial auto insurance policy to protect your vehicles from those treacherous Connecticut roads.
You might think that your personal auto policy will provide you with the coverage you need if you stumble into an accident – and it will. The problem is that your personal policy will not extend to drivers, your individual vehicle and the goods and materials you may be transporting. While we’re sure you will be happy to be safe after an accident, you’ll probably be happier if you don’t have to worry about the cost of replacing your vehicle and all of the damaged goods. Your commercial auto insurance policy will also cover the following if you were to end up in an accident:
- Collision and Repair
- Personal injury
- Coverage for uninsured motorists
Who needs Commercial Auto Insurance
Like we said above, anyone who uses a vehicle for work purposes should consider acquiring a commercial auto insurance policy. If you use a vehicle strictly for work in the state of Connecticut, then you must have a commercial policy as your personal insurance will not provide you with adequate protection. Not doing so could put both you and your business at risk.
Winter in Connecticut is no walk in the park, but with the proper commercial auto insurance policy you will be able to alleviate some of the stress that has been placed on you and your business. This will allow you to focus less on the cost of replacing damaged vehicles and goods and more on the future direction of your business.