Understanding Progressive Commercial Auto Insurance

Progressive Commercial Auto Insurance is designed to cater to the unique needs of businesses that operate vehicles for commercial purposes. Whether you have a fleet of trucks or a few company cars, this insurance provides coverage to protect your assets, employees, and the general public from financial loss due to accidents.

Does It Cover Accidents?

One of the primary concerns for businesses is whether their insurance will cover accidents involving company vehicles. The good news is that Progressive Commercial Auto Insurance does cover accidents that occur in company vehicles, given that the vehicles are insured under the policy.

In the case of an accident, the insurance typically helps cover:

• Property damage to the other party's vehicle or property
• Medical expenses for injuries sustained by others in the accident
• Repairs to your company vehicle
• Liability coverage for legal fees if a claim is filed against your business

What Types of Coverage Are Available?

Progressive offers various coverage options within its commercial auto insurance policy. Some important coverages include:

• Bodily Injury Liability: Covers medical expenses and lost wages for others if you are at fault in an accident.
• Property Damage Liability: Covers damage to someone else's property due to your vehicle.
• Collision Coverage: Helps pay for repairs to your vehicle after an accident, regardless of fault.
• Comprehensive Coverage: Covers non-collision-related incidents such as theft, vandalism, or natural disasters.

Choosing the right coverage options depends on your business needs and the types of vehicles you operate. A Progressive representative can help tailor a plan that suits your requirements.

What to Do After an Accident

In the unfortunate event of an accident, follow these steps to ensure you’re covered:

1. Ensure safety first—check for injuries and call emergency services if needed.
2. Document the accident scene—take photos and gather witness information.
3. Notify your insurance agent or Progressive’s claims department as soon as possible.
4. File a police report, if necessary, which could be required for your claim.

Progressive will guide you through the claims process and help you get back on the road.

Benefits of Choosing Progressive

When it comes to commercial auto insurance, Progressive stands out for several reasons:

• Competitive pricing tailored to your business needs.
• 24/7 claims support to assist you whenever you need it.
• A user-friendly online platform for managing your policy.
• Discounts available for bundling policies or safe driving records.

These benefits make Progressive a suitable choice for businesses looking for reliable commercial auto insurance coverage.

Conclusion

In conclusion, Progressive Commercial Auto Insurance does indeed cover accidents in company vehicles, provided you have the appropriate coverage in place. Understanding your policy, the different types of coverage available, and knowing what steps to take after an accident are essential in protecting your business. If you’re considering commercial auto insurance, Progressive could be an excellent option to ensure your company vehicles and employees are well-protected.

Learn more about the benefits of Progressive Auto Insurance and how it can work for your business.