Commercial Auto Insurance in DJW Insurance Agency

How Does Commercial Auto Insurance Work?

Commercial auto insurance is designed to address the risks involved with operating vehicles for business purposes. It typically applies to vehicles titled to a business, driven by employees or used regularly for business-related tasks. Once your policy is active, it functions like personal coverage, but with features tailored to higher liability limits, specialized endorsements and multiple drivers.

Policy premiums are based on several factors, including the following:

• Vehicle type and usage

• Number of drivers and their histories

• Driving territory and mileage

• Coverage limits and deductibles selected
• Coverage may include liability, physical damage (collision and comprehensive), medical payments and uninsured/underinsured motorist coverage, among other optional add-ons.

How to File a Commercial Auto Insurance Claim

If a business vehicle is involved in an accident or sustains damage, acting promptly is essential. Here’s a general process to follow:

• Document the incident – Take photos, gather details and ensure everyone’s safety
• Report the claim – Notify your insurance carrier or agent as soon as possible
• Provide documentation – This may include police reports, repair estimates or medical records if applicable
• Review coverage – Your agent can help you understand what your policy may address and walk you through the next steps
• Work with your claims adjuster – They’ll assist with evaluation, repair coordination and payment processing

Contact Us

DJW Insurance Agency is proud to support businesses in New Iberia, LA with personalized guidance and service rooted in the local community. Whether you're reviewing your policy or starting from scratch, our team is here to help. Contact our New Iberia, LA office today to request a commercial auto insurance quote.