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Auto Owners Commercial Insurance Buying Guide

Before buying a commercial auto insurance policy, you should read about the different types of policies available and how each one can benefit your business. This article will discuss the standard coverages, discounts, Claims process, and customer service to help you make the right decision. It also covers how to compare quotes. Ultimately, you’ll save time and money by knowing exactly what you need. Below are some tips to help you choose the right plan.

Standard coverages

Auto owners commercial insurance is designed to protect them from the high costs associated with repairing or replacing vehicles in an accident. Standard coverages include damage caused by vandalism, theft, or weather. In addition, Medical Payments coverage can help pay for medical bills and funeral costs for accident victims. This type of coverage also pays for the costs associated with a third-party lawsuit. A commercial auto policy may also include coverage for the personal vehicles of employees.

Depending on your needs, the following basic coverages are offered. Some auto owners insurance companies offer a combination of standard policies and optional endorsements. For example, Auto-Owners Personal Auto Plus package combines several endorsements to give you a comprehensive coverage. Auto-Owners also offers an accident forgiveness option – if you have an accident and are found to be at fault, the company will not raise your rate for the next year. Other benefits include a home and auto bundle deductible and accident forgiveness.

For businesses with vehicles, there are two standard coverages for auto owners commercial insurance: liability and property. The first coverage pays for property damages if your vehicle is stolen, and the second covers any damage to other people’s property. The third coverage is for personal property, and is designed to protect your possessions. Standard coverages for auto owners commercial insurance cover the cost of repairs and replacements, which will save you a significant amount of money.

Many states require liability insurance as a minimum, which will cover bodily injury and property damage if you are at fault in an accident. Many states also require uninsured/underinsured motorists coverage, medical payments coverage, and physical damage coverage on business vehicles. Most insurers use a form called the Business Auto Coverage Form. This policy refers to the vehicles that the business uses. The form includes all types of vehicles.

Auto-Owners policies also include coverage for motorcycles, recreational vehicles, and off-road vehicles. It also covers medical payments for other drivers in the event of an accident. This type of policy is required by law in every state. If you need to drive your car to work or to attend school, consider purchasing a commercial policy. If you own a business, auto-owners commercial insurance is the best choice for your needs.


Getting a better deal on your auto insurance policy doesn’t have to be difficult. You can find discounts on a variety of factors, including the type of vehicle you drive, the safety features on it, and the deductible you pay. Auto-Owners is no exception, and they offer a number of discounts. The Multi-Policy Discount is a great way to save money on your existing policy by bundling several policies. Another popular discount is the Green Discount, which rewards drivers who switch to paperless billing. Another common discount is the Protective Devices Discount, which rewards those who install smoke detectors, fire extinguishers, or deadbolt locks on their vehicles. You can also get discounts for having several vehicles. And last but not least, you can also get discounts for installing a permanent GPS monitoring system on your vehicle.

Auto-Owners offers several discounts for its business insurance. The multi-policy discount, for instance, is a great way to get a lower premium, but there are many other options as well. Many companies offer a bundle discount when you insure your home and life policies with them. There are also discounts for using an automatic backup generator. In addition to these, Auto-Owners also offers discounts for combining your policies with other insurance companies.

A good way to save money on your auto insurance is to bundle several policies from the same company. This can lead to significant savings. For example, you can bundle your car insurance with your homeowner’s insurance and save up to 25 percent. Bundling your home and auto insurance with one company can lead to even greater savings. Many companies also offer multi-policy discounts to encourage people to purchase multiple policies from them. In many cases, these discounts can save you up to 30% on your auto insurance.

Another way to save money on your auto insurance policy is to join an organization, such as A2Y Chamber of Commerce. Auto-Owners Insurance has many business-related discounts, and is often a great option for small businesses that need a combination of insurance policies. You can get as many discounts as you need on a single policy, as long as you’re a member of the group. If you are a member of the A2Y Chamber, you can save up to 14% on your business insurance.

Claims process

If your business needs to file a claim, you should contact your auto owners commercial insurance agent. Your agent can assist you with the claims process, from start to finish. Claims for auto owners commercial insurance are much more complex than those for other types of insurance. You’ll need to assess the claims quickly, especially liability claims. If you don’t take action quickly, the claim could escalate into litigation and end up costing you a lot of money in higher judgments.

The Auto-Owners insurance company appoints a special investigator to look into the plaintiff’s claim. This specialized investigation is done after the company is aware that the claim will go to litigation. In this case, Auto-Owners undertook the investigation because the company knew there would be litigation. But Mr. Winters fails to state that the investigation was conducted exclusively for the purpose of litigation preparation.