Commercial Auto Insurance

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Commercial auto insurance is one of the best ways you can help protect the business you've worked so hard to build. This type of vehicle insurance helps to safeguard your company from financial loss in the event that one of your business's light trucks, vans, or cars is involved in an auto accident. You may be required to purchase a commercial auto insurance policy, but it depends on two things: the laws in Tennessee and the type of business you manage or own.

A commercial auto policy isn't meant for everyone, but you could be eligible for one if you use your truck or car to conduct activities related to your job. A commercial policy could be right for you if: you use your vehicle to transport goods or people for a fee; you haul or (tow a trailer hauling) tools or equipment related to your business; you have employees that drive company-owned vehicles; or your vehicle is titled in the name of your business.

At Direct Auto & Life, you'll feel comfortable knowing that we're committed to meeting the needs of your business, however small it may be. While other companies claim that their one-size-fits-all policies will work for you, we don't. Our commercial auto policies can be specially customized to suit your business and your budget. With coverages like Bodily and Property Damage Liability, Uninsured Motorist, Medical Payments, Fire and Theft CAC, and more, you'll find the low-cost coverage options you're looking for when you visit your nearby Direct Auto.

Visit your nearest Direct Auto office in Cleveland or call 1-877-GO-DIRECT (1-877-463-4732) for a free and fast quote for excellent commercial car insurance! Our friendly agents will help you understand Tennessee's specific definitions and requirements for commercial auto insurance in no time.

What You Need to Know About Tennessee's New Insurance Laws

Effective July 1, 2015, uninsured drivers in Tennessee caught driving without the proper insurance will face an increased fine, up from $100 to now $300. Following January 1, 2016, police officers could legally have your car towed immediately if you are unable to produce proof of valid insurance. Leading up to January 1, 2017, Tennessee will be working on implementing a new insurance verification program, available online. This digital program tracks down drivers without insurance through their vehicle registrations. Owners without insurance will be unable to renew their vehicle’s registration.

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