Call Us: FSB  |  Claiborne & Taylor ☰ ˟
Logo
Claiborne & Taylor Insurance
Claiborne & Taylor Insurance
  • HOME
  • ABOUT US
    • About UsImage of right arrow
      • Employee Directory
    • Testimonials
    • Locations
    • Privacy Policy
  • OUR BLOG
  • INSURANCE PRODUCTS
    • Athletic Facilities
    • Auto
    • Breweries/Wineries
    • Business & Commercial
    • Cannabis
    • Church
    • Community Associations
    • Construction
    • Franchise Groups
    • Homeowners
    • Hospitality
    • Law Firms
    • Manufacturing
    • Nonprofits/Faith-Based
    • Real Estate
    • Renewable Energy
    • Restaurant
    • Retail
    • Transportation
  • CLIENT SERVICES
    • Request A Quote
    • Claim ManagementImage of right arrow
      • Submit A Claim to your Agent
      • Report A Claim to Company
  • CONTACT US
Auto and Home Icon

Personal

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Employee Benefits

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Surety

We browse through a wide variety of coverages and find the right one for you.

Learn More
Annuities Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Commercial Auto Insurance Coverage for Vehicle Fires
THURSDAY, JUNE 3, 2021

Commercial Auto Insurance Coverage for Vehicle Fires

A vehicle fire is one of the most dangerous situations that any driver could ever face. If one of your commercial vehicles is the victim, then the ramifications could include thousands of dollars in losses, or even a totaled vehicle. That’s something that no business owner wants to face, but if they have commercial auto insurance, they will be able to afford the costs of recovery much more easily. 

Commercial auto insurance is important for any business that owns automobiles, whether it is a single car or a fleet of vehicles. These vehicles are too important to ever neglect to insure, and a vehicle fire is one of the clearest examples of why you need coverage. 

The Causes of Vehicle Fires man standing next to commercial van

Like all other types of auto insurance, commercial auto insurance covers a company’s vehicles against unexpected, unavoidable hazards. Often, a vehicle fire falls under this coverage definition. 

However, commercial auto insurance is very strict in that it will only cover unexpected and unpreventable vehicle fires. Therefore, a fire that occurs due to poor maintenance and upkeep might not have coverage. Should your company fail to maintain its vehicles, then you will often face a significant risk of a denied claim. 

Consider how to properly maintain your vehicle so that your insurer will always be able to approve any fire claim: 

  • Keep records of inspections and oil changes. Your insurer will want to know that you have maintained your vehicle, so that there’s never a question about whether a fire was your fault. 

  • Always have your vehicle checked and fixed at regular maintenance intervals. Most vehicle manufacturers recommend oil changes, filter changes, tire rotations and other maintenance every 5,000 – 10,000 miles. 


By keeping records of your maintenance, you will better prove that you have done everything you can to prevent a vehicle fire. Therefore, you are much more likely to face an easy claims process. 

How Will Commercial Auto Insurance Apply to Vehicle Fires? 
Your commercial auto policy will apply to any number of other causes of vehicle fires, such as: 

  • Electrical fires. 

  • Lightning strikes. 

  • Gas leaks. 

  • Arson. 

  • Fires that erupt as a result of accidents.

 

To determine exactly what perils your commercial auto policy covers, examine your policy and speak to your insurance agent. If your policy includes comprehensive damage protection, then you will have the coverage that will pay for damage from hazards other than collisions, fires included. However, deductibles, exclusions and other coverage limits will apply. 

Though keeping your commercial vehicle in good condition is important, commercial auto insurance is there to help you in case of the accidents you could least expect. Let our agents help you get optimized benefits. 

Posted 11:14 AM

Tags: commercial auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(18)
  • coverage(13)
  • commercial(8)
  • policy(7)
  • business(6)
  • liability(5)
  • benefits(3)
  • auto(3)
  • employee(2)
  • owners(2)
  • homeowners(2)
  • general(2)
  • bop(2)
  • cyber(2)
  • car(2)
  • workers(2)
  • compensation(2)
  • personal liability insurance(1)
  • requirements(1)
  • property insurance(1)
  • auto insurance(1)
  • disaster(1)
  • life(1)
  • accident(1)
  • classic(1)
  • laibility(1)
  • vehicles(1)
  • whole(1)
  • terms(1)
  • secuity(1)
  • group(1)
  • damage(1)
  • builders(1)
  • umbrella(1)
  • business owners policy(1)
  • non-profit(1)
  • risk(1)
  • online(1)
  • vintage(1)
  • personal umbrella liability insurance(1)
  • professional(1)
  • natural(1)
  • retirement(1)
  • flood(1)
  • health(1)
  • classic car insurance(1)
  • personal(1)
  • professional liability insurance(1)
  • commercial auto insurance(1)
  • commercial general liability(1)

View Mobile Version

Contact Us Today!
(731) 668-9312

Social Social Social Social

Resources

  • Products
  • About Us
  • Report a Claim
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

P: (731) 668-9312 | Fx: (888) 415-6423

Jackson Office

460 Oil Well Road
Jackson, TN 38305

P: (731) 668-9312

Murfreesboro Office

319 West McKnight Drive
Murfreesboro, TN 37129

P: (615) 893-5064

McKenzie Office

15715 Highland Drive
McKenzie, TN 38201

P: (731) 352-2424

Humboldt Office

1411 Main Street
Humboldt, TN 38343

P: (731) 784-6666

Martin Office

255 Lindell Street
Martin, TN 38237

P: (731) 587-4213

Columbia Office

1040 N James Campbell Blvd, Suite 105
Columbia, TN 38401

P: (931) 388-54007
© Copyright. All rights reserved. | Powered by Insurance Website Builder