Commercial Car Insurance in Texas

What does someone looking for commercial car insurance need to know?

Anyone driving a car for commercial purposes must have at least Basic Liability Auto Insurance, according to Texas state law.  However, Basic Liability is often not enough insurance to cover an accident.  Many experts recommend purchasing additional insurance (collision, comprehensive, medical, etc.).

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What factors do insurance companies take into consideration for commercial car insurers?

Rates for Commercial Car insurance are determined by a number of factors.  Some are described below:

• Driver History:  Does the driver have a history of tickets and/or accidents?
• Location:  Where is the insured vehicle kept?
• Driving Time:  How often, and for how long will the vehicle be driven?
• Vehicle Type:  What type of vehicle is being insured?

How do commercial car insurers differ from personal car insurers?

Commercial Car insurance is used only to insure cars that are used for business purposes.  Commercial car insurance can cover automobiles, pick-ups, vans, and trucks that are used for business related purposes.  Commercial Car Insurance can cover non-owned and rented vehicles.  Commercial Car Insurance usually protects against injury, loss or damage to vehicle and/or cargo, and damage to property.  While Personal Car Insurance covers many of the same things, it can only be used for personal purposes. 

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