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.

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. 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. 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 cost-friendly coverage options you want when you visit your local Direct Auto.

Call 1-877-GO-DIRECT (1-877-463-4732) today for your fast and free commercial car insurance quote. Or, visit your nearest Direct Auto location in Lexington! Our friendly agents will help you understand Tennessee's specific definitions and requirements for commercial auto insurance in no time.

Changes to Tennessee Insurance Laws - What You Need To Know

As of July 1, 2015, driving uninsured in Tennessee became costlier, with the fine for driving without the proper insurance increasing from $100 to $300. After January 1, 2016, the police could legally have you car immediately towed away if you cannot produce proof of valid insurance. Prior to January 1, 2017, the state of TN will work on getting an online insurance verification program. This digital program tracks down drivers who have not purchased valid insurance through their vehicle registration information. Owners without insurance will be unable to renew their vehicle’s registration.

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