Commercial Auto Insurance

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A commercial vehicle policy is a great way to help protect the small business you've worked so hard to grow. This type of auto insurance helps shield your business from a financial loss when one of your company's cars or trucks is involved in 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 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. 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.

At Direct Auto & Life Insurance, we're committed to meeting the needs of your small business. 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 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 Knoxville 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 Tennessee Drivers Need to Know About New State Insurance Laws

Effective 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, officers of the law are legally allowed to have your auto immediately towed if you cannot provide proof that your vehicle is properly insured. From now until January 1, 2017, Tennessee will be working on creating and implementing an online insurance verification program. The system has the ability to identify uninsured drivers through their vehicle registrations. Owners without insurance will be unable to renew their vehicle’s registration.

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