Unlike personal auto policies that cover only commuting, commercial auto insurance covers business use of vehicles. This includes a wide range of coverages like:

Damage to Your Vehicles

Personal and commercial auto insurance typically provides liability coverage if you or an employee get into a wreck in a company vehicle. This can cover bodily injury, property damage, and pollution cleanup expenses. Commercial auto policies can also include hired and non-owned auto coverage, which helps if employees drive personal vehicles on company business or use their cars for work.

For example, if a local graffiti crew damages your bread delivery truck while parked on the street, commercial auto insurance might help pay to repaint it. In many cases, an insurance agent can help you understand the differences between a personal auto policy and a commercial car insurance policy so that you can decide what kind of protection your business needs.

The cost of a commercial auto insurance policy can vary, depending on your business’s needs and the number of vehicles included. However, on average, our rate estimates show that a small business with one or two company cars would expect to pay about $144 per month for a typical full-coverage commercial auto policy.

You could even consider installing a Van Alarm if you own a company van, as a deterrent to potential thieves. It’s worth getting in touch with your insurance provider and discussing if this will lower your insurance rate, and also comparing different insurance quotes based on this.

Damage to Other People’s Property

A commercial auto policy covers vehicles primarily used for business, including cars, trucks, and vans. It offers liability, physical damage coverage, and specialized options like uninsured/underinsured motorist and personal injury protection.

Say your employee driving a company vehicle rear-ends a church van carrying children to an after-school program. The accident isn’t severe, but several people are hurt, and your employee’s low liability limits won’t cover the medical expenses. A commercial car insurance policy with hired and non-owned auto coverage might help pay for the damages up to your policy limit.

You can even get a commercial auto policy to protect your work vehicle if it’s stolen or damaged by a covered cause of loss. Vandalism and other incidents unrelated to an accident usually aren’t covered by regular auto insurance, but a commercial auto policy might provide some protection. A trusted independent agent will take the time to understand how you use your vehicles and can help you find a policy that offers optimal coverage at an affordable price.

Liability to Others

A commercial auto policy protects businesses of all sizes from litigation arising from automotive incidents. Whether your employees are driving to make a delivery or transporting a client, commercial auto coverage protects your business from the financial consequences of an accident during normal business operations.

For example, if your employee is distracted while talking on the phone while driving to a meeting and strikes a van full of customers, the resulting injuries and property damage could cost you a lot of money. Commercial auto insurance may cover these expenses, as well as legal defense costs, in the event your company is sued.

If your employees drive personal vehicles for work, you can add an optional policy called hired and non-owned auto liability. This provides liability protection when employees go rented or borrowed cars for work purposes. Your independent agent can help you determine which optional coverages are right for your business. They’ll take the time to understand your business operations and vehicle use and find the optimal range at a fair price.

Injuries to Your Employees

You can face severe financial consequences if you or your employees get into a car accident while on business. Commercial auto insurance provides liability coverage for bodily injury and property damage to protect your company from these losses. In addition, many commercial policies offer physical damage coverage to reimburse for repairs on vehicles your company owns or leases. Some also include hired and non-owned auto coverage to protect your business if your employees use their cars or trucks to conduct business on behalf of the company or if they rent or borrow a vehicle. This is why it’s so important to Get the best Commercial Truck Insurance in minutes and ensure that not just your business, but your employees are protected.

Say one of your employees rear-ends a church van while running an errand for the company in his car. If the accident was severe, several people may be injured, and their medical expenses could easily exceed his low personal car insurance limits. A commercial policy will typically cover these costs and also pay for lawsuits related to the incident.

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Choosing suitable auto body abrasives will help you get the perfect result and make your job much easier. There are a considerable number of tools and materials that are suitable for various positions.

Graininess: What is it

Grit is the primary indicator when choosing abrasives. It starts at 40 and ends at 600. The smaller the number, the rougher the material. The most effective body treatment is worth starting with the most significant indicator. Thus, you can adjust the intensity of the abrasive and avoid deep scratches on the body.

In the catalog store.dealershopusa.com, you will find three types of grit:

• low;
• average;

A score less than 40 is low grain. For example, it is suitable for leveling the car body if several coating layers have been applied. Abrasives with indicators of 60-80 are used to remove rust and minor scratches. Options with a hand of 300 are used to process sharp edges roughly.

Medium abrasives have a designation of 400 to 600. They are ideal for preparation before applying paint. This option aligns the base well, which allows you to get a perfectly even and smooth coating.

Abrasives with a high index can be used for the final sanding of the car body. Variants with a grain index of 1000-1200 are excellent for leveling the paint after drying. To avoid the appearance of micro-scratches, the wet method of applying the abrasive is best.

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How to Choose the Suitable Abrasive

In the DealerShop catalog, you will find abrasives for car bodies with different grit levels. But do not buy the first available option. Otherwise, you risk ruining the coating. When choosing an abrasive, consider:

• type of material to be processed;
• desired processing result;
• features of the use of abrasive;
• price range.

Usually, the manufacturer uses a label that indicates what kind of work the sandpaper is intended for. It will significantly simplify the search for the desired material. It is essential to use a suitable abrasive so as not to damage the body and not provoke its further destruction.

Different materials are chosen depending on which part of the body needs to be processed. Accordingly, additional equipment may be needed. For example, a particular machine is required to work with disks, and grinding blocks are used manually.

The expiration date also plays a big role. Some options can quickly become clogged with particles of paint, metal, and other materials. Because of this, sandpaper will be less effective.

DealerShop consultants can help you choose abrasives ideal for your car body. It is the easiest option to select quality materials and not overpay simultaneously.

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Some Tips on How to Work with Car Body Abrasives

When working with abrasives, it is worth using protective gloves and respirators. Thanks to this, you will not damage the skin of your hands and exclude the inhalation of particles of paint, metal, and rust. It is also worth ventilating the room to reduce the amount of dust. It is best not to work with automotive abrasives near open flames.

If you know you must work with abrasives of different grit levels, start with the coarsest. Thus, you will significantly facilitate the work and make a flat surface.

To avoid streaks, work in a circular motion. Thus, you can effectively treat the surface and smooth the body without scratches.

Remember to clean abrasives. With a special brush, you can remove dust and dirt. It will make the job much more efficient and extend the life of the abrasive.

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The statistics are shocking. In 2020 there were reportedly over 5 million collisions on U.S. roads. Car accidents happen every day, and if you drive, ride, or even walk alongside of the road where cars are present, there is always a chance that you could be involved in a motor vehicle accident. Accidents can result in major injuries to the victims, and below are five catastrophic injuries that too often occur in the event of motor vehicle collisions.

Catastrophic Injuries

Motor vehicle accidents can result in major injuries to the victims and are referred to as being “catastrophic”. Catastrophic injuries are described as, “A severe injury that causes life-altering damage or permanent disability” in the patient. Below are five examples of catastrophic injuries that often occur. When motor vehicle accidents of this caliber happen you should search for an “auto accident attorney near me” for help.

1. Broken bones  Depending on the severity of the break, where the break is,  and how well the patient tolerates the recommended treatment plan, broken bones can take several weeks to even months to heal. During recovery you could be potentially immobilized for an extended period of time.
2. Severe Burns  Exposure to steam from broken radiators, hot metal, debris from the accident, or other chemical burns are possible. Commonly airbags exploding from impact can cause chemical burns on the face and chest.
3. Neck Injury  Commonly referred to as “whiplash”, neck injuries can lead to a significant amount of physical complications including pain, nerve damage, and dizziness just to name a few.
4. Traumatic Brain Injury  Trauma to the brain occurs when there is a rapid forward or backward movement that slams the brain tissue into your skull essentially bruising your brain and sometimes tears tissue and destroys blood vessels. This can be a serious lifelong issue, or sometimes even fatal.
5. Death  Sadly, as of 2020 statistics 1 out of 147 motor vehicle accidents are fatal.

There Is Help

Seek both medical and legal help as soon as possible. If your accident has caused loss of wages and medical bills, you are likely to suffer from multiple physical and financial issues.  With the exception of death, most of the above injuries will have an extended recovery of several weeks or months. Your treatment for the above injuries could be indeterminate, and the debilities life altering. Most often people will seek legal counsel by searching for an “auto accident attorney near me”.

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