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:

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!