Commercial Auto Insurance

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A commercial vehicle policy is a great way to help protect the small business you've worked so hard to grow. This type of auto insurance helps shield your business from a financial loss when one of your company's cars or trucks is involved in an auto accident. You may be required to purchase a commercial auto insurance policy, but it depends on two things: the laws in Tennessee and the type of business you manage or own.

Commercial auto insurance isn't right for everyone, but you could be eligible for this type of policy if you use your truck or car to do activities related to your business or job. Here are a few situations in which a commercial policy could be right for you: you use your vehicle to haul (or tow a trailer hauling) tools or equipment related to your business, you transport people for a fee, you have employees that drive company-owned cars, or your vehicles are titled in the name of your business.

At Direct Auto, you'll feel comfortable knowing that we're committed to meeting the needs of your business, however small it may be. While other companies claim that their one-size-fits-all policies will work for you, we don't. Our commercial auto policies can be specially customized to suit your business and your budget. With a range of coverages including Uninsured Motorist, Bodily and Property Damage Liability, Uninsured Motorist, Fire and Theft CAC, Medical Payments, and more, you'll get the economical coverage options you need when you visit your nearest Direct Auto location.

Call 1-877-GO-DIRECT (1-877-463-4732) today for your fast and free commercial car insurance quote. Or, visit your nearest Direct Auto location in Tullahoma! Our agents are ready to help you understand Tennessee's specific requirements and definitions for commercial vehicle insurance!

How to Obey the New Tennessee Driving Laws

As of July 1, 2015, the fine for being an uninsured driver in Tennessee increased from $100 to $300 (and it's a Class A Misdemeanor). From January 1, 2016 and onwards, the police can take legal action to have your car towed immediately if you don’t have proof of insurance. Leading up to January 1, 2017, Tennessee will be creating a state-of-the-art insurance verification system. Once implemented, the program will find drivers without insurance through their vehicle registrations. Vehicles that are owned by uninsured drivers will be ineligible for renewal.

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