Commercial Vehicles in Melbourne Have Local Insurance Services at Reach
Melbourne, Fla.—General contractors, local contractors, and subcontractors are commonly required to carry commercial truck insurance by the various laws and businesses they work for. There is a wide range of commercial vehicle types, from pick-up trucks to excavators. The coverage your business needs depends on the type of business you are in and the perceived risk associated with it.
Florida Commercial Vehicle Crash Statistics
According to the Florida Department of Highway Safety and Motor Vehicles reports:
There are approximately 400,000 vehicle accidents in Florida every year.
Approximately 1 out of 10 accidents in this state involves a commercial vehicle.
Commercial vehicle accidents are responsible for more than 10,000 cases of significant bodily injuries in Florida per year.
A Commercial Vehicle Insurance policy is designed to protect your business from costly liability lawsuits, property damage, and loss of business due to lack of transportation after an accident.
Typical coverage includes
Bodily Injury Liability - Coverage for damages that involve bodily injury to others for which you become responsible under law.
Property Damage Liability - Coverage for damage to property of others for which you become responsible under law.
Medical Payments - Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.
Personal Injury Protection - Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.
Additional coverage you may want to consider
Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
Collision - Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
Uninsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
Underinsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Additional Expense - Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.
Hired Auto Liability Coverage - Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage - Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured's business.
Employer's Non-Ownership Liability - Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
Our truck insurance specialists in Melbourne, Florida also understand 18 wheeler operations, goals and safety concerns— and will help you find the best rates available in the market to keep your big rig operation well protected.
Give us a call for a consultation (321) 329-5556 and one of our local truck insurance specialists at Melbourne Truck Insurance will be more than happy to walk you through all of your options.
Oscar Pacheco - Licensed Agent