Automobile


Commercial Auto Insurance

Protection against claims resulting from car accidents in vehicles that are either church-owned or –leased.

  • Covers your organization and anyone driving a church-owned or -leased vehicle, except:
  • The person from whom the vehicle is rented or borrowed
  • An employee driving a vehicle owned by either himself or someone in his household
  • Anyone who is selling, repairing or parking the vehicle as a function of their job
  • A non-employee who is moving property to or from a covered vehicle

Includes $1 million coverage for property damage and bodily harm.

Covered Risks

Although policies vary by state, they typically cover:
Liability

  • Mandatory for all vehicles
  • Covers property damage and bodily injury

Personal Injury
Also known as “No-Fault.”

  • Covers medical expenses, lost wages and other necessary costs incurred as a result of an accident
  • Protects the insured driver and/or passengers

Uninsured and Underinsured Motorists

  • Covers the civil liability of another driver who either:
    • Is uninsured, or
    • Does not have enough insurance to cover bodily injury and/or property damage of the insured driver
  • Physical Damage

    • Covers damage to the insured vehicle through collision and comprehensive coverage


    Covered Vehicles

    • Church-owned vehicles, including long-term leases
    • Vehicles specifically listed on the policy
      • Policy must have all covered vehicles’ make, model, year and VIN
    • Rented vehicles – except those obtained for personal use
    • Vehicles used on behalf of the insured
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