Typical Exclusions Specified in Commercial Auto Insurance Contracts

Commercial auto insurance is a vital policy for any business relying on a fleet of vehicles. It covers all sorts of trucks, vans and other types of vehicles used for commercial purpose. As you can expect, this policy is pretty expensive, but the benefits are even more valuable. A claim will pay for damaged vehicles, damaged cargo and sustained injuries. However, you must read the contract carefully. There are exclusions in the contract. But typically, the contract is long, confusing and boring.  And in many cases, one coverage is excluded in a section only to be added later on in the policy.  This is why you need an expert to help you understand the contract. Also, do not forget to compare free car insurance quotes. Check our list with typical exclusions specified in commercial auto insurance contracts.

  1. Carrying persons, other than the ones needed to be onboard. For example, you are driving a commercial truck/van and you stop to pick up a hitchhiker. If you cause and accident and the hitchhiker is also injured,   in many cases the insurance company will not provide money for the medical treatment of the hitchhiker. You will get the money, but not the person you picked.
  2. Carrying personal belongings. Again, commercial auto insurance covers the cargo and some installed car accessories, if they were declared.  But if you bring your laptop or any other personal goods, the company will not pay for them if they get damaged during an accident.
  3. Intentional acts. The company will not pay for damage resulted from intentional acts like purposely setting the vehicle on fire, to collect insurance money.
  4. Using the vehicle for racing or stunt driving. The insurance company will not pay money if the vehicle is damaged during illegal activities.

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