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Fleet Auto

As a responsible business owner, you want to secure liabilities for your driving employees and the vehicles you own and hire.

You can prepare to cover injuries and property damages to keep your business running with a hassle-free process that keeps the risks at a minimum. Look no more than Northwest Insurance Agency for your fleet auto insurance in the Dallas area.

How can businesses achieve cost and risk reduction for having vehicles?

Fleet auto insurance helps to take the cost and risk away from vehicles. An example is that if a driver is at fault in an accident, the company’s car will be covered. In addition to this, fleet insurance covers personal injury protection and uninsured/underinsured motorists’ coverage. It helps reduce risk since they are paying less than required without fleet auto insurance in place.

The company can customize its coverage limits, deductibles, and more to meet its needs. But, they will need a broker who specializes in these types of policies or ask an insurance agent about options that may work best for them. Consider adding it into your budget today!

Coverage of fleet auto insurance

These factors will affect the coverage of your fleet auto insurance:

  • The make and model of the vehicle
  • How many miles per year you drive
  • What type of driving are you doing (highway, city)
  • How many vehicles you have
  • How many drivers are on your policy
  • The cost of the vehicle
  • What is the age or model year of your vehicles

Which fleet auto insurance plan suits best to your business?

  • Liability insurance coverage. It covers injuries and property damage caused by an insured driver, including employees or family members driving company vehicles.

  • Bodily injury coverage. When someone else has been injured or killed, you have the option to cover that person’s medical expenses and lost wages.

  • Property damage coverage. After an accident, most people focus on injuries and not so much on how they’ll pay for repairs. But if you have enough coverage, it can be a huge financial relief to cover these costs.

  • Physical damage coverage. If your vehicle is damaged or stolen, you can rely on this coverage to reimburse the cost to repair your car.

  • Uninsured or underinsured motorist coverage. Suppose you have an accident with another driver who doesn’t carry enough insurance to cover damages. In that case, your Uninsured Motorist Coverage will cover medical expenses and property damage.

Additional Fleet Auto Insurance and Coverage Options

  • Coverage for the rental period. If you’re at fault for a collision, then this type of fleet auto insurance would cover any injuries to the other parties involved in the accident.

  • Towing reimbursement coverage. This insurance will cover the costs of towing your car and other vehicles involved, determined by the valuation of your car.

  • Insurance for accessories. It covers damages to your vehicle’s accessories, such as a new stereo or windshield wipers.

If you’re looking for more information on Fleet Auto Insurance Services in Dallas by Northwest Insurance Agency, contact us today!

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