Commercial Auto Insurance

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A commercial auto insurance policy is an important part of protecting the business you and your employees have worked so hard to build. This kind of insurance helps safeguard your business from financial loss when one of your company's vans, cars, or trucks is part of an auto accident. Depending on the laws in Tennessee and the type of business you manage or own, you may be required to purchase a commercial policy.

Commercial auto insurance isn't right for everyone, but you could be eligible for this type of policy if you use your truck or car to do activities related to your business or job. Let's say you use your vehicle to transport people or good for a fee. Or, you haul tools or equipment related to your business. These two situations could mean a commercial policy is right for you. If your employees drive company-owned vehicles or your vehicle is titled in the name of your business, you could also be eligible for one.

Here at Direct Auto & Life, we're committed to meeting the unique needs of your small business. Some companies claim to have cheap policies, but we don't need to make that claim. Our affordable commercial auto insurance policies can be customized to suit the needs of your business, and your budget. With coverages ranging from Fire and Theft CAC, Bodily and Property Damage Liability, Uninsured Motorist, Medical Payments, and more, you'll find the low-cost coverage options you're looking for when you visit your nearby Direct Auto.

Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest Direct Auto location in Johnson City for a fast and free quote for quality commercial insurance coverage! 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

As of July 1, 2015, the fine for uninsured drivers caught driving without insurance in Tennessee increased from $100 to $300. From January 1, 2016 and onwards, the police can have your car towed on the spot if you are not able to provide proof of insurance. From now until January 1, 2017, Tennessee will be creating a new insurance verification program, available online. Once in place, the system can track down drivers who do not have valid insurance by reviewing digital vehicle registration records. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.

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