Commercial Auto Insurance

Liability

Auto liability covers the damage to others’ property that your auto may cause, as well as injury to other people. Auto liability protects your assets and future income.

Physical damage

No one plans to hit another car. I guess that's why they call it an accident. If you are involved in an accident, our collision coverage will pay to repair the damage to your vehicle, even if it is your fault. Not only that, we will pay for a tow truck to take your vehicle to a repair shop after the accident.

There is also physical damage coverage for other damage to your vehicle. It is called comprehensive coverage and it really covers a lot. Damage from fire, flood, vandalism, and theft are examples of what would be covered.

Medical payments

If anyone in your car is hurt in an accident, we will pay medical expenses they incur. 

Personal injury protection (PIP)

Many states require personal injury protection coverage. This coverage pays for medical expenses. In some states, lost income and other expenses may be covered.

Uninsured and underinsured motorists coverage

Protects you if you're in an accident caused by an uninsured driver or a driver who doesn't have enough insurance. We pay for expenses and lost wages.

What makes us different?

• Acuity advantages. Acuity is committed to providing the best possible protection to our valued customers. We automatically include several additional coverages, including waiving the deductible on auto glass repair and even replacing the fuel in the vehicle at the time of the accident.

• Acuity advantages for truckers. Acuity automatically includes special coverages for truckers such as $3,000 for electronic logging devices, and coverage for tarps, tie-downs, chains, pads and other equipment used by truckers.

• PARS – the Acuity pre-approved repair shop program. You have the right to have your vehicle repaired at the shop of your choice. But if you take your vehicle to a shop that is part of our PARS program, you will save time, reduce paperwork, and the shop guarantees their work!

Optional coverages

• Our auto enhancements endorsement is our best value. This optional endorsement includes over 20 coverages. In the event of a loss, this endorsement provides $10,000 for lost income or to get you on the road with a replacement vehicle and $3,000 for damage to audio, visual,  or electronic equipment. Many private passenger vehicles are leased today, and this endorsement pays for the lease or loan “gap” that may arise when a vehicle is in an accident and the vehicle is not worth as much as is owed. 

• Our truckers’ enhancement endorsement includes all coverages from our auto enhancements endorsement, but also includes a single deductible for all trucks, trailers and cargo insured by Acuity that are involved in an accident. Another feature added with truckers in mind is $2,500 personal property coverage. Many truckers are required to add waiver of subrogation for written contracts—that is another coverage that is automatically included.

• Business income. Actual Loss Sustained. If you need more than the $10,000 of business income provided in the enhancements endorsement, you can purchase this endorsement and get the added protection you need.

• Replacement cost for cars. If your car is totaled, this endorsement replaces it with a brand new car of the same make and model. This coverage is available for private passenger vehicles purchased new by the insured that are insured for comprehensive and collision coverage within 90 days of delivery.

• Towing coverage. We will pay up to the limit shown in the declarations for towing and labor costs incurred each time a covered auto is disabled. Truckers can get limits up to $2,500.