Commercial Auto Insurance in Pennsylvania: The Ultimate Guide

Pennsylvania Commercial Auto Insurance Requirements

According to the Pennsylvania Department of Transportation (PennDOT), all businesses must carry commercial auto insurance with the following minimum liability limits:

Types of Commercial Auto Insurance Coverage

In addition to the required liability coverage, businesses can also purchase additional coverage to protect their assets. Common types of commercial auto insurance coverage include:

• Collision insurance
• Comprehensive insurance
• Uninsured/underinsured motorist coverage
• Medical payments coverage
• Business interruption coverage

Choosing the Right Commercial Auto Insurance Policy

The cost of commercial auto insurance varies depending on a number of factors, including the type of business, the number of vehicles, the driving habits of employees, and the coverage limits. Businesses should carefully consider their needs and budget when choosing a commercial auto insurance policy.

Benefits of Commercial Auto Insurance

There are many benefits to carrying commercial auto insurance. These benefits include:

• Protection against financial loss in the event of an accident
• Peace of mind knowing that your business is protected
• Improved employee safety
• Compliance with state law

Penalties for Driving Without Commercial Auto Insurance

Businesses that operate without commercial auto insurance may face a number of penalties, including:

• Fines
• License suspension
• Impoundment of vehicles

How to Get Commercial Auto Insurance in Pennsylvania

Businesses can purchase commercial auto insurance through a variety of channels, including:

• Insurance agents
• Brokers
• Direct writers

Conclusion

Commercial auto insurance is an essential part of protecting your business. By understanding the requirements, types of coverage, and benefits of commercial auto insurance, you can make an informed decision about the right policy for your business.

Additional Resources

• PennDOT Commercial Auto Insurance Requirements
• Insurance Information Institute Commercial Auto Insurance
• National Association of Insurance Commissioners Commercial Auto Insurance