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Commercial Truck Insurance

Commercial Truck Insurance

As a victim of a truck accident in California, navigating your legal options can be challenging. A critical component of this process is understanding commercial truck insurance. Law Offices of Samer Habbas & Associates PC dives into the nuances of commercial auto insurance, the specific requirements in California, and the implications for different types of businesses, including food trucks, contractors, and various other professions.

Why Commercial Auto Insurance Is Essential For California Businesses

California hosts about 3.9 million small businesses, many of which utilize vehicles for business purposes. Commercial auto insurance provides essential protection for these businesses against any accidents or unfortunate events involving their business vehicles. As personal auto policies don’t typically cover vehicles used for business operations due to increased liability exposure, commercial auto insurance becomes crucial. Over 700,000 small business owners nationwide rely on such insurance to safeguard their work vehicles and livelihoods.

The Spectrum Of Business Types Requiring Commercial Auto Coverage

Business Auto

Vehicles driven by employees or those used for business tasks, like visiting clients or delivering goods, need commercial auto insurance. Regular auto insurance does not cover these vehicles since they’re used for work-related activities.


They require commercial auto insurance as they transport tools, and supplies, and frequently travel between job sites. These are business-centric activities requiring the protection of a commercial auto policy.

Food Trucks

Food trucks, along with other food service businesses, such as restaurants and ice cream vendors, rely heavily on their commercial vehicles. Commercial auto insurance can cover the costly equipment attached to these vehicles.

For-Hire Livery

Vehicles used for transporting people for a fee, including taxis, limousines, and non-emergency medical transport vehicles, require commercial auto insurance. Some ridesharing vehicles might also necessitate commercial coverage.

Heavy Trucks

Everything from dump trucks to tractor-trailers requires commercial auto insurance. This insurance ensures accessibility to a network of truck repair shops and specialty claims services, whether the vehicle operates locally or outside California.

Tow Trucks

Towing businesses also need commercial auto insurance, whether they operate a wrecker, rollback, or roadside repair vehicle. Specialty coverages such as On-hook and Garagekeepers Legal Liability can be added to protect businesses when a customer’s vehicle is in their possession.

Factors Determining California Commercial Auto Insurance Cost

Several variables influence the cost of your commercial auto insurance in California. They include:


Certain industries carry more risk, thus higher insurance costs. For instance, a contractor transporting tools and equipment daily may pay more than a consultant running occasional errands.


The type, size, and use of your vehicle impact your rate. A heavy-duty food truck equipped with a grill and deep fryer might attract a higher premium than a small catering van with minimal equipment.

Driving History

Insurers will consider the driving records of all drivers with access to your business vehicles. Any accidents or violations can lead to an increased rate, typically based on the past three years of driving history.


Insurance rates are generally higher in large cities like Los Angeles compared to smaller ones like Bakersfield. Areas with high claim rates or expensive settlements, or those susceptible to weather-related events, can also lead to higher insurance costs.

Travel Radius

Your regular travel distance can impact your commercial auto rate. A vehicle traveling within Fresno city limits is considered lower risk than one covering all of Central California.

Coverage Needs

The coverage amount you need directly affects your premium. For instance, policyholders with the California state minimum limits of 15/30/5 (covering $15,000 for each person injured, $30,000 for all people injured, and $5,000 for property damage per accident) will pay less than those needing a combined single limit of $1M.

California Commercial Auto Insurance Requirements

In California, all commercial auto policies must have a minimum liability limit of $15,000 per person, $30,000 for bodily injury per accident, and $5,000 for damage to property (15/30/5). However, policies for certain types of vehicles may need higher limits. For instance, vehicles with a USDOT or CA state serial number have separate coverage requirements, with the Federal Motor Carrier Safety Administration typically mandating a minimum total single limit of $750,000 for large interstate vehicles.

Remember, it’s vital to select limits that are best for your business in addition to fulfilling California state law requirements. Insufficient coverage for your specific risk could leave you responsible for substantial debts and potentially jeopardize your business’s future.

Who Needs Commercial Auto Insurance In California?

Certain professions necessitate commercial auto insurance in California, including:

  • Food trucks
  • Pizza delivery services
  • Landscapers
  • Caterers
  • Bakeries
  • Real estate agents
  • Cleaning services
  • Rideshare services
  • Contractors
  • Non-emergency medical transport

Filing An Insurance Claim For A Commercial Truck Accident Injury In California

If you’ve sustained commercial truck accident injuries in California, it’s crucial to promptly report the accident to the police and your insurance company, gather all pertinent information at the accident scene, and seek immediate medical attention. Consult a personal injury lawyer before filing a claim with the at-fault party’s insurance, as they can guide you through the claim process, including submitting a demand letter and negotiating a fair settlement in your commercial truck accident case. Remember, each commercial truck accident claim is unique and requires personalized legal advice from a commercial truck accident lawyer. 

Commercial Truck Accident Lawyers

Reach out to the experienced team of commercial truck accident attorneys at Law Offices of Samer Habbas & Associates PC, as they are here to fight for your rights and ensure you receive the compensation you deserve following an accident. Whether it’s a lawsuit or an insurance claim, a commercial truck accident attorney from our office will tirelessly work on your behalf to pursue justice and maximize your recovery. Contact us now at (888) 848-5084 or online to schedule a free consultation with a personal injury attorney. Your future matters, and we’re here to help you navigate the legal process with confidence.

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