Insurance for commercial autos is essential for companies that own or employ vehicles for business purposes. If you own a car for company use, then you’ll need commercial auto insurance to cover the possibility of accidents. The insurance coverage offered by the commercial insurance plan is identical to the range you’ll get on your car insurance. The primary difference is that the owner of commercial vehicles isn’t always the policyholder.

Drivers and the policy owner must know what they should do if they need an obligation to submit a claim due to an accident.

Document Everything

The employees injured in an accident should keep a record of the incident and notify their employer following receiving medical attention as needed. The employer should be able to provide as much detail about the incident as possible: the date, time, what, when, and who is essential. It can aid in the claim process.

Check the Vehicle for Inspection

When commercial vehicles get damaged in an accident must be checked by a trained professional. It will give you some idea about the damage and the cost of repairs. If the costs of repairs exceed the amount for your insurance company’s commercial deductible, then you are probably not interested in claiming auto insurance. However, If the repair cost is much higher than your deductible, you might need to submit a claim to recover compensation.

Review Your Plans and Get in Touch with Your Insurance Agent

Ensure you check the coverage in the commercial auto insurance to be sure that damage will get covered. Commercial insurance policies usually include the same exclusions and restrictions as personal auto insurance policies. After the insurance policy has to get reviewed, you should contact your insurance company. You should provide the complete information you can, including photos and a police record if you have one.

Time Your Claim

There is usually a duration within which you need to submit a compensation claim. The exact time frame varies by policy, but it’s typically within 30 days of the time of the accident that you have to submit a claim. If you wait too long, your claim can get rejected, and you might not get paid for your losses.

All drivers must get taught how to respond to unexpected accidents. Talk to your insurance representative should you have any concerns regarding the commercial auto insurance policy.

In Commercial Insurance Ottawa, We Help You with any concerns. Contact us today for a commercial or business insurance quote at (613) 454-5640 or email at