Discover The Full Extent of Your Winter Commercial Auto Insurance Coverage
Winter driving in Missouri can be unpredictable at the best of times. This is especially true for commercial vehicles, which are significantly larger and have a reduced range of motion compared to traditional vehicles. That’s why it is crucial that you understand the full scope of your commercial auto insurance coverage and what winter obstacles it protects your company, employees and vehicles from.
NEC Insurance offers four commercial auto insurance options for clients to choose from:
- Liability
- Physical damage coverage
- Non-owned auto coverage
- Uninsured motorist protection
Our commercial auto coverage options help our commercial clients drive confidently, ensuring their business and employees are protected from any winter-related incidents, which include everything from icy roads to unexpected weather challenges.
Is Snow And Ice Damage Covered By Commercial Auto Insurance?
NEC Insurance’s physical damage coverage protects commercial vehicle fleets from a wide range of winter-related challenges, including:
- Icy roads
- Hail
- Freezing rain
- Snow
- Other forms of winter debris
Our physical damage coverage plan covers any of the vehicles in your commercial fleet if a collision or accident resulting from any of the circumstances listed above damages them. However, we strongly recommend reviewing the specific terms and stipulations of your policy, so you can get a clear picture of the full scope of your coverage.
Who Is Liable for Winter Commercial Vehicle Accidents?
Liability is established on a case-by-case basis. For example, if an employee of your company is driving one of the vehicles either owned or rented by your company and gets into an accident, liability will be determined based on who violated the duty of care, which in this case would mean disobeying traffic laws—running a red light, changing lanes where it is not permitted, etc.
NEC Insurance will typically review the facts of the situation, police reports, and other information attached to the incident before assigning liability. It is also important to keep in consideration that since a company vehicle was involved, liability could be extended to the employer under the doctrine of respondeat superior, which means that you will be held responsible for the actions of your employees within the scope of their position.
When it comes to commercial liability coverage, NEC Insurance offers two liability plans, including non-owned auto coverage, which extends to commercial vehicles that are not directly owned by your business.
Learn How You Can Protect Your Commercial Fleet At NEC Insurance
Winter driving presents Missouri businesses that rely on regular commercial transportation with a unique range of challenges. Understanding that accidents happen and what is covered by your selected commercial auto coverage plan from NEC Insurance ensures that your owned or rented vehicles, your employees, and your business are protected from all of the unexpected challenges a Missouri winter sends your way.
At NEC Insurance, we make it our priority to provide our commercial clients with the comprehensive auto coverage they need, plus provide them with options that are best suited to their unique business needs. Whether you need to file a claim, are researching your coverage options or just want to understand your commercial auto insurance policy better, contact NEC Insurance today for more information.
About Us
NEC Insurance supports Missourians with high-quality coverage for businesses and individuals. We apply over 45 years of experience to help you navigate the market and deliver the policies you deserve.