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Why You Should Purchase Commercial Auto Insurance In Wichita, KS

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Why You Should Purchase Commercial Auto Insurance In Wichita, KS

The state of Kansas requires commercial auto insurance for any vehicle that is used for business purposes. This includes but isn’t limited to food delivery, messenger services, and transport services. The policies provide the driver and their company with a higher level of coverage than traditional auto insurance.

No-Fault State Restrictions

In Kansas, auto drivers are required to maintain personal injury protection in addition to standard liability insurance. The coverage values should equate to $25,000 per injury sustained in an accident. The personal injury insurance should also include $50,000 to cover any third parties involved; this indicates individuals such as pedestrians. Their policy should also cover $10,000 for property damage.

All drivers who are involved in an accident are required to file a claim through their own insurance carrier. However, if they are injured by a commercial driver within the scope of their job duties, the business that owns the vehicle in question could be held accountable. Serious injuries provide accident victims with the right to file a claim against the other driver. They include any permanent injury, loss of body function, disfigurement, compound fractures, and fractures within any weight bearing bones. This is why you should purchase Commercial auto insurance in Wichita KS, if you intend to use your vehicle for commercial reasons.

Acquiring a Higher Level of Coverage

Commercial auto insurance in Wichita KS combines personal injury and property damage together. This allows for a higher level of coverage. They are separate with non-commercial insurance policies. With commercial coverage, it is possible to acquire coverage up to $500,000 or more. This reduces liabilities and risks associated with accidents involving your commercial vehicles, as you are more fully covered.

Commercial policies are necessary for any vehicle used during the operation of your business. They are considered an extension of your company and incur the same risk of litigation. Your coverage should pay for medical costs for your drivers, passengers, and anyone who may become involved in an accident associated with the vehicle. This could present accident victims from filing a lawsuit against your company. If you need more information about this coverage type, contact Andy Woodward Insurance Agency today.

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