When you own a business consisting of fleet vehicles, you have a huge responsibility when it comes to keeping them mobile. These vehicles are a big part of your company and they can contribute to your success or hinder it. Regular maintenance to keep your vehicles in top-notch shape is vital but it's just as important for you to have commercial auto insurance coverage.
The first thing that usually comes to mind when you think of auto insurance is the type you need to legally drive your vehicle but there is another type. Commercial auto insurance can also refer to the insurance designed to help drivers out when they have a roadside emergency. It's not required by law to have it but it's a great asset for any company. The purpose of this type of service is to help your drivers when they have a roadside emergency.
Depending on the nature of the emergency, this service will get the vehicle back up and running again. If that is not an option, it will be towed to a location where it can receive repairs or whatever type of service you need to get your drivers back on the road as soon as possible.
What Commercial Auto Insurance Covers
If your vehicle breaks down due to a small mechanical problem or when you have some other emergency that leaves you stranded, it's not covered by a regular insurance policy. This is where a good roadside assistance plan can help. If you have any type of mechanical failure such overheating, a belt breaking or the engine not firing, you can use the towing service for these types of emergencies.
If your battery goes dead, you'll receive a jumpstart. If you lose your keys, a locksmith will be sent to your location. They will even send someone out to provide you with two or three gallons of gas if you run out of fuel. If you have a flat tire and can't change it, someone will be sent to your location to fix the flat (provided you have a spare) and you'll be on your way again.
All your driver needs to do is call the number on the card, explain the situation to the representative and they will dispatch someone to their location immediately. The average response time is 30 minutes. Of course, this time may be longer if you're in a secluded area a long ways from any businesses.
How It Saves You Money
Now that you know what it covers, you need to know how it can save you money. Let's say that you have 50 vehicles in your fleet. Three of those vehicles have engine trouble during the month that left the drivers sitting on the side of the road. Another driver accidentally ran out of gas and another one was in a hurry to get to a meeting and locked the keys in the car.
When you add up how much it would cost to tow three vehicles, have a locksmith go to the vehicle to retrieve the keys and factor in the aggravation and time it will take for you to get fuel to the driver who ran out, you can see how this service can save you money.
For one annual fee, all of these problems would be taken care of fast and efficiently with just a simple phone call. If your business consists of fleet vehicles, commercial auto insurance can save your company money but more importantly, it can keep your drivers safe. It's an investment that you can depend on.
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