Insurance Myths

Myth #15: Commercial Auto Policies cover equipment and tools left in a vehicle.
Only equipment permanently attached to the vehicle is covered. Loose tools and equipment are not such as pick-up truck tool boxes and contents because they aren’t permanently attached. To protect tools, supplies and equipment while in transit you need to add specific coverage.

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Commercial Auto/Fleet Insurance

The value of good auto insurance often doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have coverage you can count on. Let one of Morris Insurance Agency's experienced specialists explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from only the most stable and reputable insurance underwriters.

Coverage Options

Generally speaking, most Personal Auto policies provide the following basic coverage:

  • Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident.
  • Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident.
  • Defense Costs - Covers court costs, legal expenses and attorney's fees.
  • Collision - Covers you for damage to your car in an accident, regardless of who was at fault.
  • Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.
  • Medical Payments - Covers you and your family in any car, and anyone riding in your car for medical expenses resulting from an accident.
  • Uninsured / Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.

Please call or e-mail to find out what coverage best fits your needs. We have access to many home and auto insurance companies, and we will work to find you the best coverage at the lowest price. Talk to us about the unique features of our auto plans.