Transportation Insurance in Dallas, TX
Vehicles used for delivery or commercial purposes require coverage different from that for personal driving, even among gig workers who use their own cars. Atlas Insurance Group Services can help you assess risks and select appropriate transportation insurance options.
Understanding Commercial Auto Coverage
Personal auto policies typically exclude coverage during commercial use. That gap can leave drivers financially exposed after a job-related accident. Commercial auto coverage can help fill that gap by applying when you’re actively working, including driving for a food delivery app, hauling freight or transporting passengers for hire.
Key Components of Transportation Insurance
A transportation policy is a specialized form of commercial auto insurance, designed for businesses that move goods or people. It may include various types of coverage that are tailored for such operations, including:
- Liability coverage may cover bodily injury or property damage you cause to others while working.
- Physical damage coverage may apply to your vehicle for collision and noncollision losses.
- Hired and non-owned auto coverage may provide coverage to vehicles you use but do not own.
- Uninsured/underinsured motorist coverage may step in if an at-fault driver has little or no insurance, depending on state requirements.
- Cargo coverage may cover goods in transit if they are lost, stolen or damaged.
Policy Exclusions You Need to Know
Certain situations may fall outside your policy, such as:
- Personal use of a commercial vehicle: Coverage may not apply when a business vehicle is used for personal errands or trips.
- Improperly loaded cargo: Damage to goods caused by inadequate securing or loading can be excluded.
- Incidents outside your coverage territory: Claims from accidents occurring beyond your designated service area may be denied.
- Deliberate or intentional damage: Any loss caused on purpose is typically not covered.
We’re Here to Help
Contact Atlas Insurance Group Services today to explore your transportation insurance options and get a free custom quote.