Commercial Auto Insurance Lafayette Louisiana

Commercial Auto Insurance Lafayette Louisiana — Low Rates, Same-Day Coverage in Some Instances

Commercial Auto Insurance Lafayette Louisiana

When you’re looking for Commercial Auto Insurance in Lafayette Louisiana or any of the surrounding areas you can count on the agents of Jeff Davis Insurance. We offer very low rates and same-day coverage for some businesses seeking Louisiana Commercial Auto Insurance.

For more than 50 years Jeff Davis Insurance has been serving the needs of business owners throughout the state of Louisiana covering a variety of different industries.

Call 337-824-4455 during the normal work week, but if you find us after hours, or if it is simply more convenient use our online information request system by clicking any of the links below based on your closest location:

Commercial Auto Insurance Lafayette Louisiana —Hal Dingledorfer Final Post.

In our final post we learn that Hal’s $100,000 truck is destroyed along with his load of office supplies he was hauling by means of meteorite damage…is this covered?

Great question.

The answer really depends on whether or not Hal purchased Comprehensive Coverage, or Specified Causes of Loss Coverage as part of his physical damage coverage on his commercial truck policy.

Comprehensive coverage typically covers every claim event except for those that are specifically excluded in the insuring agreement.

What does Specified Causes of Loss Coverage cover?  Let’s examine how one company defines what is covered by this particular coverage:

  • Fire, lightning or explosion;
  • Theft;
  • Windstorm, hail or earthquake;
  • Flood;
  • Mischief or vandalism; or
  • The sinking, burning, collision or derailment of any conveyance transporting the covered “auto”.

If Hal had purchased Specified Causes of Loss Coverage would meteorite damage be covered by his policy?

The answer would probably be no because under Specified Causes of Loss Coverage meteorite damage or missile damage is not a covered peril. (missile damage with some companies may be covered under Specified Causes of Loss Coverage)

Sure, a fire caused the explosion and destruction of his truck, but the meteor was the catalyst that cause the fire and explosion, not the other way around.

Why would someone choose Specified Causes of Loss Coverage?

It’s cheaper.

There is a price difference when you are deciding whether or not to purchase comprehensive coverage versus Specified Causes of Loss Coverage. Some business owners may choose to purchase Lafayette Louisiana Commercial Auto Insurance as it is the least expensive option — this does open up business owners to a number of different types of claim events that may not be covered.

Imagine if you were Hal Dingledorfer and you purchased the least expensive option for your physical damage coverage. Your truck is destroyed, maybe you even have a loan on your truck or a lease — would you keep making payments on the destroyed vehicle because now you’re going to have to purchase another vehicle.

If you default on your loan for your destroyed truck, would another finance company take a chance that you would not do the same thing all over again?

This account highlights the dangers of any business owner when they are choosing their commercial insurance options — choose your coverage options wisely, otherwise you may regret it later!

Commercial Auto Insurance Lafayette Louisiana — We Can Help.

No matter what type of business you own we can help you find the coverage you need.

Why not call to speak with the agents of Jeff Davis Insurance right now?

You can reach us by dialing 337-824-4455 up until 4:30PM Monday through Friday CST.

We also have a convenient online request system whereas you can complete a few details and one of our agents will call you back soon, below you will find the links for the areas nearby:

Lake Charles Commercial Auto Insurance

Contact an Agent Today for a Free Estimate on Lake Charles Commercial Auto Insurance!

Lake Charles Commercial Auto Insurance - Semi trucks on a highway

When you need Commercial Auto Insurance in Lake Charles or the surrounding towns and neighborhoods, why not contact one of our helpful agents today and ask for a free estimate?

Perhaps you are embarking on a new business venture and are in search of your first ever Louisiana Commercial Auto Insurance Policy, or perhaps you are a long-time business owner looking for more affordable rates on the Louisiana Trucking Insurance you need.

In either case, the agents of Jeff Davis Insurance are a great resource for helping commercial vehicle owners like you find better insurance options.

Give our office a call today, toll-free, at 337-824-4455 and ask about receiving a rate quote from companies offering the type of insurance you are after.

Clicking on one of the listed locations below will redirect you to our online quote request form. You can fill out this form to submit your basic info and alert our agents, and it is available 24 hours a day, 7 days a week.

Commercial Auto Insurance Lake Charles – Previous Article Recap

Last time, as Hal Dingledorfer crawled along the freeway in his semi truck during a near-biblical deluge, he happened to overhear an emergency flood warning through his radio.

The warning is for the city Hal is approaching, but he did not pay it much heed.

Let’s find out what is in store for Hal now.

Insurance Coverage Scenario – Part 5

Hal presses on, despite the pouring rain and despite the ominous warning of a flood.

He has a delivery to make, and, by hook or by crook, he is going to meet his deadline.

The downpour is not letting up. Hal can see that most of the other drivers are pulling off to the side of the road, exiting, or otherwise attempting to get out of the rainstorm.

As far as Hal is concerned, though, every time a fellow driver leaves the road, the highway becomes less congested.

If the rain would let up for a bit and stop beating down on his windows, he might have noticed that sizable pools of water are starting to accumulate in the ditches, banks, and other low parts of the landscape.

The vast stretches of grasslands and wetlands the freeway cuts through are starting to look less like fields and more like ponds and small lakes.

Hal either doesn’t notice or doesn’t care about these red flags. His tires slice through a large puddle of water that has gathered in a dip in the road.

Through the relentless barrage of rain drops on his windshield, Hal can start to make out the faint shape of tall buildings in the distance. He has almost reached his destination.

There are almost no cars left on the road. Just Hal, his truck, and the rising flood waters he is fast approaching.

Stay tuned to find out what will happen to Hal and his truck when he enters the city.

Lake Charles Commercial Auto Insurance – Call Us Toll-Free at 337-824-4455!

Contact us today if you would like to receive a free estimate.

You can also click on one of the options shown here to access our free online quote request form:

Lafayette Commercial Auto Insurance

Lafayette Commercial Auto Insurance – Contact The Truck Insurance Pros!

Lafayette Commercial Auto Insurance

For great rates on Commercial Truck Insurance in Lafayette La, contact the Louisiana Truck Insurance pros today by dialing 337-824-4455 toll-free!

Our friendly agents are ready to answer your calls and aid you with your insurance needs.

You may also request a free quote on Commercial Auto Insurance in Lafayette by choosing one of the links provided below to access our online quote request form.

Commercial Auto Insurance Lafayette – Previous Article Recap

In our previous two articles, you may recall that we talked about the importance of reading and understanding your insurance policy.

We promised to illustrate the importance of understanding your policy by way of an example in the form of a fictional scenario.

We began that fictional scenario a couple weeks ago with the introduction of Hal Dingledorfer, a self-employed truck driver, and in part 2 we learned that Hal is expecting heavy rain but has so far not seen any. Let’s return to this scenario right now and begin part 3 to find out what happens.

Insurance Coverage Scenario – Part 3

As the day wore on, Hal noticed as the sky grew darker and darker. Big, thick rain clouds rolled in and gradually enveloped the once-blue sky.

When the rain finally came, it began as only a light sprinkling. Hal only needed to turn his windshield wipers on every forty-five seconds or so to retain visibility.

Just a few minutes later, though, the light sprinkling turned into a drizzle. A few more minutes passed, and then the light drizzle turned into a full-blown rain shower.

At this point, Hal had his fancy windshield wipers running at full blast.

“So far, so good,” Hal said to himself, content with how well the wiper blades squeegeed away the rainwater.

After about fifteen minutes of sustained rain, things really started to take a turn for the worst.

The rainfall became heavier and thicker, and howling winds began to blow the rainwater to and fro unpredictably.

Even Hal’s fancy windshield wipers didn’t stand much of a chance, as each moment that they wiped away the rainwater, a gust of wind would coat the window again faster than the blades could clear it.

Hal had no choice but to slow down to a near-crawl just to be able to see the road out ahead of him.

Check in next time to find out what happens in part 4.

Lafayette Commercial Auto Insurance – Find Better Rates Now!

Tired of looking for more affordable insurance solutions? Find better rates right now on the Louisiana Truck Insurance you need at Jeff Davis Insurance.

Call us today at 337-824-4455 or click on a link shown below to request your free quote online.

Truck Insurance Baton Rouge

Truck Insurance Baton Rouge – Affordable Rates and Coverage!

Truck Insurance Baton RougeIf you are on the hunt for affordable rates and coverage when it comes to Commercial Truck Insurance in Baton Rouge and throughout the state of Louisiana, then you have come to the right place.

Speak with the agents of Jeff Davis Insurance today and allow us to start your free rate quote over the phone.

You can get in touch with us by calling 337-824-4455, toll-free, Monday through Friday between the hours of 8:30 AM and 4:30 PM.

Our agents will be happy to assist you with all your insurance needs.

If you would like to fill out a request for quotes online, click on a location shown below to access our digital quote form.

Baton Rouge Truck Insurance – Coverage Scenario Part 13

In Part 12 of our ongoing coverage scenario about towing business owners Nick and Rick, we recalled how similar Nick and Rick’s lives and career paths have been over the years.

For example, they are from the same town, went to school together, both worked for years as tow truck drivers after high school, and both wound up owning and running their very own towing businesses.

They even had identical Business Auto Insurance policies for their towing companies, or, at least, they did until Rick decided to save some money by switching to a similar policy through a different carrier.

In continuation of the similarities between them, it turns out that one of Nick’s drivers also collided with an animal during the course of his towing duties, just a day before Rick’s driver Buford had his accident.

Here’s what happened:

It was a rainy evening, and visibility was terrible. Clarence used his hand to wipe away the condensation fogging up the inside of his windshield, though it did little to help him see the road.

Even with his windshield wipers working at full blast, the deluge of rain was relentless, and only growing heavier.

For a while, he was able to stay safely in his lane without too much trouble by following the red glow of the tail lights of the car in front of him, but that guiding light had long since turned off the dark road, leaving him to forge ahead on his own.

Clarence was a greenhorn, having only been on the job for about five months. He felt like he was finally starting to get the hang of things, but he wasn’t yet used to working nights.

That may help to explain why he didn’t see it coming.

Find out what happened to Clarence in our next entry.

Commercial Truck Insurance Baton Rouge – Call Now for Savings!

Call us toll-free right now at 337-824-4455 for big potential savings!

There’s no obligation to buy, so what have you got to lose?

We offer Louisiana Trucking Insurance in the following areas:

Truck Insurance New Orleans

Truck Insurance New Orleans – Do You Need Commercial Auto Insurance?

Truck Insurance New Orleans

Do you need Commercial Truck Insurance in New Orleans or the nearby locales?

Are you a new business venture looking for affordable insurance rates for your vehicle or fleet so that you can open for business? Or are you an established business owner shopping the market for a better policy for your fleet?

In any case, Jeff Davis Insurance can help you out.

To inquire about free quotes for Commercial Truck Insurance in New Orleans call us today toll-free at 337-824-4455.

Our doors are open every Mon through Fri from 8:00 am to 12:00 pm and from 1:00 pm to 4:30 pm CST.

You can also begin the quotes process yourself online by visiting our quote request page. To access this page, click on a town from those listed below:

New Orleans Truck Insurance – Coverage Scenario Part 6

In part 5, a driver named Buford who works for Quick Rick’s Slick Towing had just been dispatched to tow a customer’s vehicle.

We mentioned that Buford is a dependable tow truck operator who has been in the business for many years.

The location he needs to reach is on the opposite end of town. Because of the time of day and the apparent traffic, Buford decides to take the scenic route around the outskirts of town to reach his destination.

Let’s jump back in and find out what happens next.

Buford drives a few blocks beyond the city proper and takes a right onto a winding road that snakes around the eastern edge of town.

He has always enjoyed driving this route when he can because most of it is lined on at least one side by forest and brush. Some parts of the road are lined by forest trees on both sides.

Taking advantage of this pleasant little detour, Buford cranks up his radio and sings along to one of his favorite driving tunes that just so happened to start playing at this moment.

Buford is really enjoying this break from his usual routine. He’s enjoying it so much, in fact, that he is no longer concentrating very hard on the road ahead of him as he drives.

He rolls down his window to let the breeze in and continues singing along with the radio while he takes in the serene scenes of nature around him.

In his absent-minded state, he does not notice the danger on the road up ahead…

What is this danger? Find out next time in Part 7.

Truck Insurance New Orleans – Call 337-824-4455 Today!

Talk to an agent today or click on one of the links below to start your free estimate for Louisiana Commercial Auto Insurance!

Truck Insurance Lake Charles

Truck Insurance Lake Charles Louisiana – Better Rates Can Be Found Here!

Truck Insurance Lake CharlesFor better rates on Commercial Truck Insurance in Lake Charles Louisiana or any of the outlying towns and neighborhoods, call Jeff Davis Insurance today, toll-free, by dialing 337-824-4455.

Our office is open every Monday through Friday, and you can also submit a quote request by clicking on one of the locations listed here:

Lake Charles Truck Insurance – Coverage Scenario Part 2

In Part 1 of our latest coverage scenario we met Rick and Nick, old friends who grew up together in the same town, went to the same schools, and worked together under the same employer, TJ’s Titanic Towing.

We also learned that, after many years working for TJ’s Titanic Towing, Rick relocated his family to a nearby town after his wife started a new job there.

Nick, meanwhile, purchased TJ’s Titanic Towing after the owner decided to retire and sell off the business.

We left off as Nick is about to call his old pal Rick to tell him the news.

Nick picks up the phone and dials Rick’s number. Rick answers and the two proceed to do some long overdue catching up.

After regaling each other with stories of the major happenings in the past several months of their lives, Nick finally gets around to telling Rick about how he recently acquired TJ’s Titanic Towing and achieved his dream of being a business owner.

Rick congratulates his old friend, and then surprises him with some big news of his own: Rick recently started his very own towing business in his new town.

Nick is overjoyed to hear of his friend’s success, and the two have a good laugh about how they have always done everything together their whole lives but neither expected that they would both begin operating towing businesses at almost the exact same time.

After telling each other about their respective towing operations, the subject shifts to insurance. Rick is looking for some advice on purchasing a solid business auto coverage plan for his small fleet of tow trucks.

Rick, having received some very good advice about a number of business concerns from his former boss, TJ, tells Nick what he knows and makes some recommendations. He suggests Nick contact the insurance agent Rick uses because he has always been provided with great service.

After wrapping up their conversation, Nick decides to take Rick’s advice and calls up the agent Rick recommended.

So far so good for Rick and Nick, but trouble is on the horizon. What will happen? Find out next time in Part 3!

For Lake Charles Business Auto Insurance Call 337-824-4455 or Request a Free Quote in Any of the Following Locations:

Gas Station Insurance Lake Charles

Gas Station Insurance Lake Charles – Lower Your Premiums Today!

Gas Station Insurance Lake Charles

Gas station, corner store, and convenience store owners: call the office of Jeff Davis Insurance today and lower your premiums for Gas Station Insurance in Lake Charles!

One of our insurance partners is currently offering shockingly low rates on Lake Charles Gas Station Insurance and you could take advantage of this great new program!

Call 337-824-4455 toll-free  weekdays from 8:00 AM to 4:30 PM (lunch from 12:00 PM to 1:00 PM) and ask to speak with an agent about shopping the market for Business Insurance for Gas Stations in Lake Charles.

Corner Store Insurance – Coverage Scenario Part 32

In last week’s article Rob had a strange conversation with Officer Friday of the local police force.

The officer had a handful of questions for Rob about his former employee, Chad, the perpetrator who stole over $20,000 from Rob’s gas station and corner store register over the course of several years.

Apparently, upon being arrested Chad had exhibited odd behavior, resisting arrest and claiming he was a clown named Doughnuts.

Rob had no knowledge of this or any other behavior related to Chad’s mental health history, so Officer Friday recommended that Rob wait patiently for the investigation to get underway and to contact his insurance company about the theft.

Rob calls up Jenny, his insurance agent and files a claim, explaining to Jenny precisely what happened, how he suspects Chad did what he did, the amount stolen, and the current situation with the police.

Rob is confident that he will be reimbursed for the theft. After all, it wasn’t that long ago that a pair of masked robbers held up his corner store and stole a day’s earnings while his daughter was behind the cash register.

In that situation, Rob’s Crime Insurance Policy endorsement covered him for the financial loss, so he expects this will be no different.

Is Rob correct in his assumption? Find out in Part 33!

Lake Charles Gas Station Insurance – You Can Trust Jeff Davis Insurance!

When it comes to providing our clients with excellent service and great options for the insurance coverage they need, you can always trust Jeff Davis Insurance.

To see for yourself risk-free, why not give us a call and request a free quote over the phone? There’s absolutely no obligation to buy, and you may very well find out that you could be saving big money on your business insurance premiums by switching providers.

You can also request your free quote by filling out our online form. Click on a location below to access the form twenty-four hours a day, seven days a week.

Gas Station Insurance Lafayette

Low, Low Prices on Lafayette Gas Station Insurance!

Gas Station Insurance LafayetteWould you like to see premium rate quotes from top companies offering Business Insurance for Gas Stations, Corner Stores, and Convenience Stores in your area?

If so, the best way to get a free quote on Gas Station Insurance in Lafayette is by speaking with one of our licensed agents over the phone.

Call 337-824-4455 to reach us, toll-free, every Monday through Friday from 8:00 AM to 4:30 PM (note: we do break for lunch from 12:00 PM to 1:00 PM).

If you are unable to call us during normal business hours or simply prefer to reach out to us online then feel free to use our handy digital alternative.

By clicking on a location below, you will be taken to a corresponding Louisiana Business Insurance quote form page. Once there, you can fill out the form to submit your request to receive free quotes on Louisiana Gas Station Insurance.

Choose a location near you from the following list to get started any time:

Insurance for Gas Stations Lafayette – Recap

In our most recent entry, Chad bounded out of his bedroom with renewed fervor after listening to the police officers get into their car and drive away.

Certain that he had evaded capture after a tense few minutes, Chad flew out the back door and sprinted straight for the wooden fence behind his house.

As he leapt over the fence, he was met with the strong arms of a few police officers who had been waiting for him at the back of the property.

Chad writhed and fought as he was wrestled to the ground to be arrested, screaming like a madman about his imagined future as a clown named Doughnuts.

Lafayette Corner Store Insurance – Coverage Scenario Part 29

After placing handcuffs on Chad’s hands to keep them behind his back, one of the officers began to speak.

“You have the right to remain silent” he began. “Anything you say can and will be used against you in a court of law.”

Chad stopped struggling and quieted down for a moment, turning his head to look up at the police officer who was speaking to him.

“You have the right to have an attorney” continued the officer. “If you cannot afford one, one will be appointed to you by the court.”

The officer looked at Chad for a moment. Chad returned the stare.

“Do you understand?” asked the police officer.

Chad stared at him for a few seconds, unmoving. Then, as if a switch was flipped, he started shouting, “I am Doughnuts the Clown!” all over again.

“I think he’s lost his marbles, Bob,” said one of the officers holding Chad down.

See what happens next in part 30!

Gas Station Insurance Lafayette – Call or Click Today!

For free quotes on Louisiana Business Insurance for Gas Stations call 337-824-4455 or click on the appropriate location below to request a quote:

New Orleans Gas Station Insurance

New Orleans Gas Station Insurance – Call Now for Better Prices!

New Orleans Gas Station Insurance - Gas pump iconFor better prices on Gas Station Insurance in New Orleans call Jeff Davis Insurance today at 337-824-4455.

Agents are available to take your calls and issue free insurance quotes Mon to Fri from 8:00 AM to 4:30 PM CST (with a lunch break from 12:00 PM to 1:00 PM).

You can request free quotes on Louisiana Gas Station Insurance online by selecting the location nearest to you from the following list:

Insurance for Gas Stations New Orleans – Recap

In last week’s article, Rob finally got to the bottom of where all his expected revenue had been going all these years. His tests had proven his hunch and now he decided it was time to confront the culprit.

That night, when there were no customers inside the corner store, Rob called Chad into his office and presented him with the latest two bogus charity promotion cards.

Let’s find out how Chad reacts.

New Orleans Corner Store Insurance – Insurance Scenario Part 19

“Take a closer look, Chad,” Rob said calmly. He motioned to the charity promotion cards again, inviting Chad to pick them up and inspect them more closely.

Chad hesitated at first, looking confused and trying to read the situation. Rob noticed the sweat starting to accumulate on the young cashier’s forehead as he timidly reached for the pieces of paper.

After looking them over for a moment or two he asked, “is there something wrong with them?”

Rob didn’t answer right away. He watched as Chad tried his best to maintain his composure, but his nerves were clearly getting the better of him.

“Do you have something you would like to tell me, Chad?” Rob said at last.

Chad swallowed but didn’t say anything. Rob noticed a hint of surprise but also renewed confidence in Chad’s  demeanor.

He thinks I only know about these two most recent cards, Rob thought to himself.

“Would you like to confess to what you’ve been doing every day for the last several years?” Rob added.

All the color drained out of Chad’s face along with any hope he had that he might be able to weasel his way out of being caught for his years of embezzling.

The two sat staring at each other for a long time. Then, to Rob’s surprise, Chad leaped out of his chair and bolted out the office door.

Where is Chad running? What will happen next? Find out in part 20.

Gas Station Insurance in New Orleans – Call Us Toll-Free Today!

Call the agency of Jeff Davis Insurance today at 337-824-4455 and speak with our agents about how you can save BIG money on New Orleans Gas Station Insurance!

Want to see insurance estimates from the most competitive insurance providers? Click or tap on your location from the list below and fill out the accompanying form:

Baton Rouge Gas Station Insurance

Baton Rouge Gas Station Insurance – Get Fast, Free Quotes Today!

Baton Rouge Gas Station Insurance

Are you looking to shop the market for better insurance options for your gas station or corner store? To receive fast, free quotes on Gas Station Insurance in Baton Rouge and the surrounding areas contact the agents of Jeff Davis Insurance today!

Call our toll-free number Monday through Friday from 8:00 AM to 4:30 PM CST (with a break for lunch from 12:00 PM to 1:00 PM) by dialing 337-824-4455. One of our licensed agents will be happy to provide you with free quotes from multiple insurance companies.

Our agents are also available to answer questions, take payments, and, of course, set you up with an insurance policy that fits your business’ needs.

As an alternative option, you may request free quotes online by filling out and submitting our digital quote request form. To access this form, click on the location nearest to you from the list of locations below:

Insurance for Gas Stations Baton Rouge – Recap

This week we continue to seek the answer to the following question: in addition to covering burglary and armed robbery, does a Crime Endorsement also cover employee theft and embezzlement?

Recall that Chad is an employee of Stop n’ Rob’s Corner Store. Last time, we began to explain how Chad was able to pilfer $20,000 from his employer, Rob, over the course of six years.

Taking advantage of a promotion in which customers can fill out a card saying that they’ve donated to a particular charity in exchange for a $5 item at the gas station, Chad has been secretly filling out fake cards and then pocketing the $5 in cash one to three times a day for the last several years.

The question we left with last week was: how come Rob never noticed the fraudulent donation cards?

Baton Rouge Corner Store Insurance – Insurance Scenario Part 13

It turns out that Chad has a friend who happens to work at the very same charity Rob supports.

Every few weeks, Chad’s friend would provide him with a small list of names of recent donators, which Chad would then use to fill out the fake cards.

Thus, whenever Rob actually did try to verify the authenticity of the cards with the local charity, he would always find the names he was looking for.

How did Chad manage to steal a whopping $20,000 despite only stealing such small increments at a time? We’ll answer that next week.

Baton Rouge Gas Station Insurance May Be More Affordable Than You Think!

If reasonably priced business insurance premiums are what you seek, then you’ve come to the right place. Call us right away at 337-824-4455. We’d love to hear from you.

And remember, you can also request a free quote any time, day or night, by filling out our online form.

Simply choose an appropriate link from the list of locations below to be taken to our quotes page.