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.

Commercial vehicle insurance isn't a good fit for everyone, but it could be right for you if you use your car or truck to do activities that relate to your business. Here are a few situations in which a commercial policy could be right for you: you use your vehicle to haul (or tow a trailer hauling) tools or equipment related to your business, you transport people for a fee, you have employees that drive company-owned cars, or your vehicles are titled in the name of your business.

Here at Direct Auto & Life, we're committed to meeting the unique needs of your small business. Some companies claim to offer the cheapest commercial policies, but we don't have to. Our affordable commercial vehicle policies can be personalized to match the demands of your business, and your budget. With a range of coverages including Uninsured Motorist, Bodily and Property Damage Liability, Uninsured Motorist, Fire and Theft CAC, Medical Payments, 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 Dayton or call 1-877-GO-DIRECT (1-877-463-4732) for a free and fast quote for excellent commercial car insurance! Our knowledgeable agents can help you understand Tennessee's specific requirements for small businesses and commercial auto insurance in no time!

How to Obey the New Tennessee Driving Laws

Effective July 1, 2015, drivers in Tennessee who do not have proper insurance face a fine of $300, up from the previous $100 fine. From January 1, 2016 and onwards, law enforcement officials will be able to have your car towed on the spot if you cannot produce proof of valid insurance. Up until January 1, 2017, the state of Tennessee will be implementing a new online system to verify drivers’ insurance. Once in place, the system can track down uninsured drivers through their vehicle registrations. Owners without insurance will be unable to renew their vehicle’s registration.

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