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PREMIUM CALCCOVERAGE GUIDE
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Coverage Guide

Commercial Auto Coverage

Essential coverage types for business vehicles.

Liability

Covers injuries and property damage you cause to others. Required in all states.

Collision

Pays to repair/replace your vehicle after an accident, regardless of fault.

Comprehensive

Covers theft, vandalism, weather, fire, and non-collision damage.

Uninsured/Underinsured

Protects you when the at-fault driver has no or insufficient coverage.

Medical Payments

Covers medical expenses for driver and passengers regardless of fault.

Hired/Non-Owned Auto

Covers rentals and employee personal vehicles used for business.

DOT / FMCSA Requirements

Interstate trucking requires $750,000 minimum liability. Hazmat carriers need $1M-$5M. Get proper authority before operating.

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