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Collision Coverage protects your company vehicles when they’re damaged in an accident involving another vehicle or a stationary object. Whether your driver backs into a pole, collides with another car, or slides off the road due to poor weather, this coverage pays for repairs or replacement costs to your business-owned vehicles—regardless of who’s at fault.
As part of a Commercial Auto Insurance policy, Collision Coverage is essential for maintaining business continuity and controlling out-of-pocket repair expenses. Without it, the financial responsibility for fixing or replacing damaged vehicles would fall entirely on your business. For companies that rely on their vehicles daily—whether for deliveries, client meetings, or job site operations—this protection keeps your operations moving, even after an accident.
When combined with Comprehensive Coverage and Liability Insurance, Collision Coverage creates a complete safety net for your commercial fleet.
Our dedicated claims team works quickly to assess damage, coordinate repairs, and minimize downtime—getting your vehicles back on the road as soon as possible.
Whether you operate sedans, pickup trucks, vans, or specialty vehicles, we build policies tailored to your fleet’s exact configuration and usage.
We help you balance premium cost and deductible levels so you can maintain the right amount of protection without straining your budget.
Our specialists understand the operational risks tied to commercial driving and provide ongoing guidance to improve driver safety and reduce claim frequency.
It covers damage to your company’s vehicles caused by colliding with another vehicle or object, including accidents where your driver is at fault.
No. Collision coverage only protects your vehicles. Damage to other people’s property is covered under Commercial Auto Liability Insurance.
The policy applies to commercial trucks, delivery vans, service cars, and company-owned vehicles used for business operations.
Insurers pay the actual cash value (ACV) or replacement cost of the damaged vehicle, minus the deductible specified in your policy.
While not required by law, lenders and leasing companies often require collision coverage to protect their financial interest in the vehicle.
It does not cover non-collision events like theft, vandalism, or weather damage—those are covered under Comprehensive Fleet Insurance.
Commercial vehicles are vital assets. This coverage ensures your fleet can be repaired or replaced quickly, minimizing downtime and maintaining business continuity.
