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. Depending on the laws in Tennessee and the type of business you manage or own, you may be required to purchase a commercial policy.

Commercial vehicle insurance isn't a good fit for everyone, but it could be right for you if you use your car or truck to do activities that relate to your business. 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 coverages ranging from Fire and Theft CAC, Bodily and Property Damage Liability, Uninsured Motorist, 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 Union City! Our agents are ready to help you understand Tennessee's specific requirements and definitions for commercial vehicle insurance!

Important Information Regarding Tennessee Insurance Laws

Effective July 1, 2015, the fine for uninsured drivers caught driving without insurance in Tennessee increased from $100 to $300. After January 1, 2016, the police can take legal action to have you car immediately towed away if you cannot provide proof that your vehicle is properly insured. Leading up to January 1, 2017, Tennessee will be creating an online program to verify drivers’ insurance. This digital program tracks down drivers who have not purchased valid insurance through their vehicle registration information. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.

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