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Liability Coverage
Much like personal auto insurance, commercial auto liability policy provides coverage against legal liability caused by the ownership, maintenance and use of the insurance vehicles. The policy agrees to pay damages for bodily injuries and property damages the insured is responsible for in the event of an accident. The policy also defends the insured for all legal cost, which is in addition to the policy limit.

Medical Payment Coverage
Medical payment coverage pays for necessary medical and funeral expenses incurred by the insured in the event of an accident. This coverage is applied even if the insured is at fault.

Uninsured/Underinsured Motorist Coverage
Uninsured motorist coverage pays for bodily injury to the insured in case the insured is injured by an uninsured motorist or a hit-and-run driver. Supplemental to uninsured motorist coverage, underinsured motorist coverage pays for medical expenses on top of what the policy of the other party covers, in the event that total medical expenses exceed the coverage limit of the policy of the other party. The two coverages never overlap each other.

Coverage for Different Ownership
The insured can choose to cover vehicles of various ownership. Ownership can be categorized as the following:
  • Owned - Vehicles owned by the named insured
  • Non-owned - Vehicles not owned by hired, leased or borrowed by the named insured, as well as vehicles owned by the insured's employees and members of the insured's household (Coverage only applies to said vehicles used in the business).
  • Hired - Vehicles hired, leased, rented or borrowed and used in the business.
Collision/Comprehensive Coverage
Also known as two-way coverage, this provides protection against loss and damage to a covered vehicle due to a collision or theft.
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