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Business vehicle insurance in Texas differs from personal vehicle insurance in a number of ways. Factors that do not normally impact the coverage of your personal vehicle suddenly come into play when a car, truck, trailer, or van is used for commercial purposes.

Texas Auto Home Insurance provides free information and free quotes on commercial vehicle insurance policies, procedures, requirements, and ratings. A few points to consider follow. More detailed information is available by emailing our office or calling our toll free number.

Title the Business Vehicle in Your Company Name

Make certain that your both your vehicle title and your business vehicle insurance is under your company name, not your personal name. Even if you are the owner of the business, using your personal name on the title of your automobile, truck, trailer, or van can result in complications to the claims process.

It is not unheard of for a carrier to make such a discrepancy a question of coverage. Texas business vehicle insurance is much more extensive than personal coverage, but if the vehicle is titled to an individual and not to a company the insurance carrier may not recognize the vehicle as commercial in nature.

This could result in a claim being delayed or even denied in certain instances.

Texas Auto Home Insurance can help Texas business owners avoid such pitfalls with a detailed, itemized, reliable commercial vehicle policy that clearly spells out points of coverage and policy limits in advance.

Driver Status is Important

Have you listed all of your employees on your Texas business vehicle insurance policy, or just the main drivers? It is not necessary to add each and every employee of the business to your insurance policy, although you should anticipate in advance which employees might be required on occasions to use a company vehicle for a special purpose.

Periodic reviews should be conducted to make certain that your insurance carrier has accounted for all new drivers. You should also make certain that all present drivers have acceptable driving records.

If you do not have time to check with your carrier directly, you might want to consider contacting your agency or an agency such as George White Insurance Agency, Inc. to assist you in determining the best process to apply in obtaining accurate, up-to-date information on your employee driving records.

Driver Health May Affect Texas Business Vehicle Insurance

Commercial drivers licenses can often be restricted by certain factors that do not affect personal licenses. Medical problems such as high blood pressure or congenital heart problems can create restrictions on a commercial license or lead to its revocation. This can even happen to an employee with a perfect driving record.

Texas Auto Home Insurance can help you with periodic reviews of your drivers' motor vehicle records to keep you posted on any adjustments you may need to make on their behalf, or any changes to your policy that might be required.
Garage Location Matters

Please be aware that insurance carriers want to know where your business vehicles are garaged. When itemizing your vehicles, be certain to declare which vehicles are driven home and garaged at the employee's address. Vehicles are rated in the territory in which they are garaged.

Safety Programs Can Reduce Premium Costs

Safety programs will save you money on your commercial insurance policy premium by way of discounts. Well-constructed safety programs mean fewer claims. You can create a written safety program that requires all drivers to attend at least once every 6 months. This assures that new employees will be able to take the program without waiting a full year.

Routine Vehicle Inspection is a Must.

Require drivers to complete a checklist detailing the condition of the vehicle at least once a month or every 2,000 miles. This keeps the vehicle road safe and minimizes maintenance expense.