An Overview of Commercial Auto Insurance in Mississippi

Your business vehicle or commercial fleet is essential to your daily operations. With the high prices of new or used vehicles, it’s more important than ever to keep your cars, trucks, and vans appropriately insured. Whether you run a cross-country trucking fleet or use your cars to transport passengers across town, the right insurance can give you even more confidence in your drivers.

At Hawsey Insurance, we can help you protect your automobiles, drivers, and passengers. No matter how careful your employees are, they may occasionally experience an accident. Fortunately, there are many options for commercial auto insurance in Mississippi. With the help of our knowledgeable brokers, you can keep your products, vehicles and operators protected, and also protect your business against potential insurance claims and legal costs.

Commercial Auto Insurance in Mississippi Offered by Hawsey Insurance

Do you need commercial auto insurance for your business in Mississippi? Here are a few examples of essential coverage options for your business vehicles:

• Bodily Injury Liability: This is a required coverage in Mississippi. You can have peace of mind in case of medical expenses, lost wages, and pain and suffering due to an accident caused by you or one of your employees. Bodily injury insurance may even cover legal fees if you’re sued.
• Medical Payments: Don’t drain your commercial bank account to pay for medical expenses due to a work-related accident. This coverage usually includes ambulance fees, hospital bills, and accidental death.
• Personal Injury Protection (PIP) Coverage: PIP covers medical expenses, lost wages, and other related costs regardless of who caused the accident. It has additional options, such as rehabilitation costs and death benefits.
• Comprehensive Coverage: Repair or replace your vehicle damaged by fire, theft, vandalism, weather events, and other non-collision damages. It may also include rental reimbursement while you wait to get your car back.
• Collision Coverage: If your commercial vehicle is damaged in a collision with another vehicle, tree, or fence, you’ll be happy to have this coverage.
• GAP Coverage: Protect the gap between your vehicle’s actual cash value and the amount you owe on your loan. This coverage can help you recoup potential losses on your owned or rental vans, trucks, and other business vehicles.
• Uninsured and Underinsured Motorist Coverage: This coverage pays for your medical expenses, lost wages, and pain and suffering in accidents caused by uninsured or inadequately insured drivers.

Give Your Fleet Drivers the Confidence of a Commercial Auto Insurance Policy

You can enhance the safety of your fleet with the right commercial auto insurance policy in Mississippi and save money by investing in driver training programs, risk assessments, and safety protocols.

At Hawsey Insurance, we tailor the coverage to your specific business. That means if you have a trucking fleet, we can help you find robust coverage for big rigs. Conversely, we’ll scale down the coverage to meet your budget and daily needs if you run a local florist shop.

Our brokers continue to support you long after you sign your commercial auto policy. Let us help you walk through the claims process and answer questions on your unique coverage needs. S

Call Hawsey Insurance at 601-856-7707 to request a quote for commercial auto insurance in Mississippi. Feel free to contact us online or make an appointment to stop by our Madison, Jackson, and Southaven, MS offices.