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Commercial Vehicle Insurance Frequently Asked Questions

Take a look at our FAQ for more information about commercial vehicle coverages, discounts, special endorsements, and more.

Don't see what you're looking for in this list? Give us a call at 1-800-847-7488. One of our Customer Care Specialists is ready to help.

  1. How do I get a rate quote on commercial vehicle insurance?
  2. I have a half dozen company cars in use by executives and sales people. What makes insuring them any different from insuring my own car?
  3. How do I know if you cover my sort of business?
  4. Can I get your commercial vehicle insurance in my state?
  5. What vehicle types do you specifically cover?
  6. What discounts are available?

1. How do I get a rate quote on commercial vehicle insurance?

Call us at 1-800-847-7488 and one of our Commercial Vehicle Sales Specialists will be happy to walk you through the process. It’s fast, it’s easy, and there’s no obligation. Or find a local agent who will be happy to help.

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2. I have a half dozen company cars in use by executives and sales people. What makes insuring them any different from insuring my own car?

Risk
Even a small accident in a company car – or an employee in a personal car on company business – potentially puts your business assets at risk in case of lawsuit. That means you need the appropriate coverage limits to protect your company’s bank account, not just your own.

Type of Vehicle
You may own your vehicle, but your company cars may be leased or financed. That means different requirements for auto insurance coverage mandated by your bank, financing company or leaseholder.

Savings
Insuring more than one car with National General Insurance means multi-vehicle discounts. Insuring half a dozen cars – or more – on the same policy can mean tremendous savings.

To learn more, give us a call at 1-800-847-7488 or contact your local agent.

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3. How do I know if you cover my sort of business?

National General Insurance offers specialty auto and commercial vehicle insurance to a wide range of sole proprietorships, partnerships, small businesses, corporations, and those in agriculture and the trades. In other words – if you have trucks, vans and cars you depend on for your livelihood – with only a few exceptions – we probably have your business and your vehicles covered.

To learn more, give us a call at 1-800-847-7488 or contact your local agent.

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4. Can I get your commercial vehicle insurance in my state?

National General Insurance underwrites commercial vehicles in a growing number of states. Today, we can offer exceptional coverages at affordable rates in the following states:

  • Alabama
  • Missouri
  • South Carolina
  • Arizona
  • New York
  • Tennessee
  • California
  • North Carolina
  • Texas 
  • Ohio
  • Virginia
  • Florida
  • Pennsylvania
  • Rhode Island
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5. What vehicle types do you specifically cover?

  • Trailers
  • Passenger autos
  • Pickups
  • Sports Utility Vehicles (SUVs)
  • Vans
  • Step Vans
  • Flatbed Trucks
  • Flatbeds with lifts
  • Flatbeds with cranes
  • Catering trucks
  • Stake body trucks
  • Tow trucks
  • Car carriers
  • Dump trucks
  • Boom trucks
  • Straight trucks
  • Box trucks
  • Refrigerated trucks

Don’t see your vehicle listed here? Not to worry. To learn more, give us a call at 1-800-847-7488 or contact your local agent.

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6. What discounts are available?

At National General Insurance, we offer a number of discounts to our commercial vehicle insurance customers. You can enjoy:

  • Special Trade discounts – Farm/Ranch discount, Tradesman discount for Artisans and Contractors
  • Transfer discounts
  • GM/GMAC affiliation discount

Want to know more about what discounts are available to your company? Give us a call at 1-800-847-7488 or contact your local agent.

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Eligibility, benefits, discounts and coverages may vary.

Underwritten by these member companies of the National General Insurance Group, Winston-Salem, NC: Integon Specialty Ins. Co., Integon Indemnity Corp., Integon General Ins. Co., New South Ins. Co., Integon Preferred Ins. Co., Integon National Ins. Co. and Integon Casualty Ins. Co., National General Ins. Co., National General Assur. Co., MIC General Ins. Corp. and National General Insurance Co. Online, Inc. Coverage not available in HI and MA. Coverage in NJ provided by High Point Property and Casualty Ins. Co. which is not affiliated with National General Insurance Some features may not be available.

Underwritten by National General Ins. Co. in TX and National General Assur. Co. in WA. Coverage purchased through agencies is underwritten in TX by Home State County Mutual Ins. Co., administered by Integon National Ins. Co.; and in WA by Integon Indemnity Corp., Integon Preferred Ins. Co., and New South Ins. Co.

Did You Know?

Documentation results in a swifter claim resolution.  Learn why.

Know what to do if you get in a car accident in Mexico.  Learn here.

Proper commercial vehicle coverage promotes profitability.  Learn how.

 
 

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