Alone in the below freezing temp - no food, his brothers have died, but owner refuses to surrender him

Types of Commercial Auto Insurance

Running a business which involves the use of automobiles can be though but having to deal with Commercial Auto Insurance can be tougher especially when you don't know the right one to choose. One of the most challenging decisions you will make as a business owner is choosing the right Insurance policy which is capable of protecting your business assets as well as your employees against unexpected financial loss and the threat of a lawsuit. The first step involved in choosing the right type of Auto Insurance is to understand the different types of Commercial Insurance coverage's which are available.

Basically, Commercial Auto Insurance break vehicles down into two major categories

The private passenger -type automobiles such as cars, vans, SUVs, and small trucks
Trucks, trailers, and tractors which include pickups, dump trucks, dry freight, refrigerator box, auto hauler, tanks, and so on.
There are two main categories of commercial auto insurance: General Insurance and Specialized Commercial Auto Insurance.
The General Commercial Auto Insurance comprises of six types of coverage

Comprehensive coverage: This type of coverage kicks in when a vehicle is vandalized or sustains damages which are caused by something other than another vehicle like an animal or a fallen tree.
Collision insurance: this type of insurance covers damages to a vehicle which are sustained when the vehicle gets hit by another vehicle or object or the vehicle overturns. This type of insurance is greatly required for vehicles with loans or lease on them.
Uninsured/underinsured motorist: This type of insurance covers the damages and medical cost incurred in an accident caused by a motorist who is either not insured or underinsured.
Liability insurance: This type of insurance is generally required by most states. It kicks in when you caused an accident. It protects you not only from damages but also provides you with a legal defense in case the other party files a lawsuit against you. "Property damage liability" covers damages to the car or property of the other party while "bodily injury liability" covers injuries or death caused by the car accident.
Medical payment coverage: This type of insurance covers medical cost incurred by anyone in your vehicle due to a car accident, irrespective of whose fault the accident is.
Personal injury protection: This type of insurance covers injury-related cost incurred by you or your employees when involved in an accident regardless of whose fault the accident is.
The Specialized Commercial Auto Insurance is intended for businesses which require the use of specialized vehicles in performing daily activities. Some common types of custom coverage's which are designed to protect specialty vehicles include coverage for catering trucks, landscaping vehicles coverage, and trade-related vehicle coverage.
Conclusively, no matter the type of business you run or the type of automobile vehicle you use, a Commercial Insurance policy can be customized to meet your specific need.

IDA serves all the needs of Independent Route Delivery Drivers. We offer up to 30% savings on Commercial Auto and General Liability Insurance. We offer fast & accurate Business Formation services for route delivery drivers who work with the bread and snack industry in USA.

Alone in the below freezing temperatures - no food, adequate shelter or water. He barely has enough energy to walk. His bones poke through his skin as he struggles to stay warm in his decrepit dog house.

The owner refuses to surrender him, even for money, and animal control is dragging their feet to intervene.

There were originally four shepherds that lived here, but two have already starved to death. Animal control refused to help as she lay on her side, rotting away. The neighbors buried her because the owners didn't care.

Now he remains - and we must DO SOMETHING.

We urge you to call animal control now and demand help for this poor dog, who may not survive the night.

Location: Fairmont, WV
ACO: 304-694-1200
Sheriffs: 304-367-5300


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Better Commercial Auto Insurance - Your Protection Against Damages

Ranging from accidents to injury, having a vehicle for business purposes comes with many risks. A commercial vehicle might not be the major source of income for your business, but it can become a major source of loss if safety measures are not put in place. However, having commercial vehicles are crucial to some businesses as its benefits overweigh its risks. Having the right protections in place to mitigate the risk commercial vehicles possess to the business is as important as having a commercial vehicle itself. Commercial Auto Insurance protects you and your business from vehicle-related damages.

Insurance can helps businesses cover the costs of repairing or replacing commercial vehicles within the boundaries of the insurance policy. If your business uses a vehicle to transact its business, then you need Commercial Auto Insurance. This type of insurance was purposely designed to protect businesses from the unknown. If your business involves the transportation of people or goods from one location to another, transportation of hazardous materials and heavy equipment for business us, or involves plowing or towing, Commercial Auto Insurance can come in handy for your business.

Commercial Auto Insurance policy is crucial for

Safeguarding your business finances: When accidents occur, the other party might file a lawsuit, and the cost of the lawsuit can be sufficient in putting you out of business. Thus, it's vital to have the proper coverage.
Complying with state mandates: A minimum amount of Auto Insurance coverage for vehicles which are used for business purposes is required in most states.
Protecting your assets: Auto Insurance gives you the privilege to shield your vehicle or fleet with coverages which cover the cost of repairing or replacing your vehicles when damaged.
Hiring qualified drivers with good driving records, providing additional safety trainings and seminars for drivers, taking as many measures as possible to facilitate drivers and vehicle safety and reduce the risk of incidents while staying claim free, purchasing vehicles that comes with extra safety features or installing safety devices on owned vehicles, parking commercial vehicles in garages and working with independent insurance agents capable of tailoring specific policies to meet your unique insurance needs and requirements are few of the ways to save money on Commercial Auto Insurance.
The right Commercial Auto Insurance policy should cover collisions, bodily injury, property damage, and personal injury, damages other than collisions, towing and labor cost, as well as loading and unloading liabilities. However, Commercial Insurance does not cover damages incurred by moving company vehicles, damages incurred during civil disturbances or war and wrecks which results from your relatives or that of your employees driving the company's vehicle. With the wrong Insurance policy, a minor issue can turn into a serious catastrophic one. If you have any question or need any information about Commercial Auto Insurance policies which are needed to keep your business up and running, you can call or contact IDA today.

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