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First Casualty Insurance Group
 Commercial Vehicles 

Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others.

Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business's car, you may be liable for bodily injuries, lost wages or any damage caused.

Typical coverage includes:

Bodily Injury Liability - Coverage for damages that involve bodily injury to others for which you become responsible under law.

Property Damage Liability - Coverage for damage to property of others for which you become responsible under law.

Medical Payments - Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.

Personal Injury Protection - Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.

Other coverage that may be obtained include:

Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.

Collision - Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.

Uninsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.

Underinsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.

Additional Expense - Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.

Hired Auto Liability Coverage - Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.

Hired Auto Physical Damage - Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured's business.

Employer's Non-Ownership Liability - Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.

    Disclaimer: Please note that completion of the following request for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company. First Casualty Insurance Group is licensed in the states of North Carolina, South Carolina and Virginia. No solicitation of insurance is being made outside of this these states.

    Statements on this web site as to policies and coverage provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, email, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at (800) 352-3416 to discuss specific coverage details and your insurance needs. All coverage is subject to terms, conditions and, exclusions of the actual policy issued. Not all policies or coverage is available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions; you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those site.
     
    190-A Turner Street  |  Southern Pines, NC 28387  |  1-800-352-3416
    fciginfo@fcignc.com
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    First Casualty Insurance Group 2007


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