Vantage Commercial Automobile Program
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Vantage Business Support & Insurance Services is proud to make available Commercial Auto Products. An automobile is a necessary tool for today's busy and complex living. As such, provisions are made to protect the functioning, value and liability associates with operating a vehicle.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

" Property coverage pays for damage to or theft of your car.
" Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
" Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of the coverage. Your insurance should notify you by mail when it's time to renew the policy and to pay your premium

Your auto policy may include six coverages. Each coverage is priced separately :

1. Bodily Injury Liability - This coverage applies to injuries that you , the designated driver or policyholder, cause o someone else. You ad your family members listed on the policy are also covered when driving someone else's care with their permission. It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money.
2. Medical Payments or Personal Injury Protection (PIP) - This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's care. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
3. Property Damage Liability - This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
4. Collision - This coverage pays for damage to your car resulting from a collision with another car, object or a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deducible of $250 to $1,000 - the higher your deductible, lower your premium.
5. Comprehensive - This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another care or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hall, flood, vandalism, riot, or contact with animals such as birds or deer.
6. Uninsured and Underinsured Motorist Coverage - This coverage will reimburse you, a member of your family, or a designated diver if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play whe.n an at-fault driver has insufficient insurance to pay for your total loss. This coverage will protect you if you are hit as a pedestrian.

Please speak with a Vantage business professional for a more detailed explanation available to assist you in protection planning

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