COMMERCIAL AUTOMOBILE COVERAGES

Liability Coverage

The liability coverage of the commercial auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile. The insurance company agrees to pay damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident with a covered auto of the insured.

Uninsured/Underinsured Motorist Coverage

Uninsured Motorist

This pays for bodily injury to an insured who is injured by an uninsured motorist, a hit-and-run driver, or a driver whose insurance company becomes insolvent. These benefits are paid under the named insured's policy.

Underinsured Motorist

This coverage is added to supplement the Uninsured Motorist Coverage. The coverage applies only when the other driver has liability limits that may be insufficient to pay for damages for which the driver is responsible. The insurance company pays the difference between the limits the underinsured motorist has and the limit of underinsured motorist coverage the insured has. The two coverages are mutually exclusive and do not overlap or duplicate each other.

Physical Damage Coverages

Collision Coverage

This coverage provides protection against loss or damage to a covered auto or a borrowed/rented auto resulting from an impact with another vehicle or object. Collision losses are paid regardless of fault.

Comprehensive Coverage

Comprehensive coverage provides protection against loss or damage to a covered auto resulting from loss other than a collision or upset. This coverage also provides for supplemental payments for transportation expenses in the event of total theft of a covered auto or a borrowed/rented auto. Coverage begins forty-eight hours after the theft.