Call Us (915) 562-0009 ☰ ˟
Logo
Call Us Today! (915) 562-0009
  • Home
  • Get A Quote
    • Auto Quote Form
    • Mexico Travel Quote
    • Bond Request
    • Commercial Auto Quote Form
    • General Liability Quote Form
    • Flood Quote Form
    • Homeowners Quote Form
    • Motorcycle Quote Form
    • RV Quote Form
    • Renters Quote Form
    • Trucking Insurance Quote
    • Business Owners Policy (BOP)
    • Workers Compensation
  • Coverage
    • Auto
    • Home
    • BusinessImage of right arrow
      • Commercial Auto
      • General Liability
      • Business Owners Policy (BOP)
      • Workers Compensation
    • Flood
    • Motorcycle
    • RV
    • Renters
    • Trucking
    • Mexico Travel
  • Claims
    • Auto Accident Claim
    • Motorcycle Accident Claim
    • Renters Property Loss Claim Form
    • Other
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Pan American Insurance
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Renters

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Flood

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Recreational

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > How to File a Commercial Auto Insurance Claim
TUESDAY, JANUARY 17, 2023

How to File a Commercial Auto Insurance Claim

Commercial auto insurance is crucial for businesses that have or use vehicles for work purposes. If you have trucks or company vehicles, you will need commercial auto insurance to cover potential accidents. The coverage available under your commercial auto insurance policy is similar to that which you find on your personal auto insurance policy. The main difference is that the driver of a commercial vehicle isn’t always the policyholder.  

It is important that the policyholder and drivers know what to do if they have to file a claim for an accident. 

Document Everything. fleet of commercial vehicles
The employer must be able to offer as much information about the accident as possible. The when, where, how and who is critical. Employees involved in an accident should keep record of the accident and report immediately to their employer after receiving medical attention as necessary. This will help the claims process. 

Have the Vehicle Inspected 
Any time a commercial vehicle is involved in an accident, it should be inspected by a professional. This can give you an idea of the damages and costs of repairs. If the cost of repairs amount to less than the cost of your commercial auto insurance deductible, you may not want to bother filing an auto insurance claim. On the other hand, if the cost of repairs are significantly higher than the price of your deductible, you may want to file a claim for compensation. 

Contact Your Insurance Agent and Review Your Policy 
Double check the coverage available on your commercial auto insurance policy to make sure that the damages (and injuries) are covered. Commercial auto insurance policies often have the same exclusions and limitations as personal auto insurance policies. Once the vehicle has been appraised and the policy reviewed, contact your insurance agent. Provide them with as much information as possible, including pictures and a police report, if filed. This will help determine fault of the accident (if your business operates within a fault state) and how much compensation your business is entitled to. 

Timely File Your Claim 
There is usually a time period in which you must file a claim to be entitled to compensation. It varies per policy, but it is generally within 30 days after the accident occurs when you must file a claim. Waiting too long can cause your claim to be denied and compensation for damages or injuries withheld. 

All drivers should be trained for what to do in case of an accident. Speak with your insurance agent if you have any questions about your commercial auto insurance policy. 

Posted 11:07 AM

Tags: commercial auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • insurance(121)
  • el paso(101)
  • texas(89)
  • auto insurance(40)
  • home insurance(31)
  • renters insurance(22)
  • homeowners(16)
  • commercial insurance(14)
  • tips(14)
  • business owners(13)
  • flood insurance(11)
  • business insurance(11)
  • bonds(10)
  • safety(10)
  • motorcycle insurance(9)
  • coverage(9)
  • surety bonds(8)
  • car insurance(8)
  • workers compensation(6)
  • rv insurance(5)
  • contractors(5)
  • mexico travel insurance(5)
  • safety tips(5)
  • commercial auto insurance(4)
  • el paso auto insurance(4)
  • teen drivers(4)
  • el paso home insurance(4)
  • tx(4)
  • liability insurance(4)
  • savings(4)
  • policy(3)
  • traffic safety(3)
  • performance bonds(3)
  • driving safety(3)
  • independent agent(3)
  • business(3)
  • commercial(3)
  • recreational vehicle insurance(2)
  • trucking insurance(2)
  • motorcycle(2)
  • state minimum requirements(2)
  • el paso car insurance(2)
  • liability(2)
  • property insurance(2)
  • car(2)
  • car insurance el paso texas(2)
  • travel insurance(2)
  • personal property(2)
  • small business(2)
  • theft(2)

View Mobile Version

Contact Us Today!
(915) 562-0009

Facebook Twitter Google
Field background

Resources

  • Get a Quote
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Blog
  • Contact Us

Contact Us

4675 Montana Avenue
El Paso, TX 79903

P: (915) 562-0009 | F: (915) 562-8905 | E: insurance@panamsaves.com

Office Hours

M-F | 8:30AM – 7PM
SAT | 9AM – 4PM
© Copyright. All rights reserved.