What is the coverage area of this insurance policy? Can I drive outside of the U.S.?
Beyond the United States, the coverage territory also includes Canada and Puerto Rico. Mexico is not included for this commercial auto policy.
Can I drive out of the state where my vehicle is registered?
Yes, you certainly can! This policy will cover you if you need to drive out of state for your business operations. However, if you regularly drive more than 100 miles from your business location, this policy may not be right for you at this time.
How is the “Actual Cash Value” of my vehicle determined?
The Actual Cash Value of the vehicle is determined when the vehicle is appraised following an accident.
What does medical payment and personal injury protection cover?
“Medical payments” coverage reimburses you for your own medical bills in the event of an accident. Personal Injury Protection (PIP) coverage is similar and can also cover lost wages and other expenses which vary by state.
What does liability coverage for an auto insurance policy mean?
Under a commercial auto policy, liability coverage is intended for any third-party bodily injury and property damage that may occur on a per accident basis. This could cover medical expenses that arise from an accident in which you were at fault. It could also include reimbursement for any property damage resulting from that accident.
Do I need to have my car serviced at specific auto repair locations?
No, we do not specify specific repair locations for our policyholders.
Can I insure my motorcycle with this insurance if I use it for my business?
No, at this time motorcycles are not included for commercial auto coverage.
Does my vehicle need to be registered to my business? Can it be registered under my name? Can it be registered to a member of my family?
The vehicle listed on your commercial auto policy can be registered to your name or your business’ name.
I don’t feel comfortable providing my driver’s license number online. Can I still buy this insurance policy?
We understand that an entirely online process is new, and can be surprising for some people. In any case, for a commercial auto policy, we need your driver’s license number, and you will be unable to buy your policy without one. We use the industry standard AES-256 encryption algorithm to make sure your data is safe, and we use a high level of encryption on the client side (SSL).
Are the items (equipment, valuables, business property) that I transport with my insured vehicle covered by this policy?
A commercial auto policy will cover the vehicle used to transport items, but not the items themselves.
In the event of a claim, how is the value of my vehicle determined?
In the case of a claim on your commercial auto policy, the value of your vehicle will be based on the actual cost value (ACV) or the cost of repair at the time of the incident. However, if you have a vehicle loan, there may be coverage for the difference between the remaining balance of the loan and the ACV of the vehicle.
Do you offer personal auto insurance?
No, we are solely focused on business insurance. It’s important to know that a commercial auto policy can be used to insure your personal vehicle if that vehicle is used for your registered business.
Can’t find what you’re looking for?
Feel free to contact us with any questions you have.
Issuance of coverage is subject to underwriting. Not available in all states.
Please see the policy for full terms, conditions and exclusions.
Coverage is dependent on actual facts and circumstances giving rise to a claim.
Next Insurance Inc. is an insurance agency licensed to sell property-casualty insurance products and
receives compensation from insurance companies for such sales.
Policy obligations are the sole responsibility of the issuing insurance company.
Refer to Legal Notices section for additional
Next Insurance, Inc. does business as Next Online Insurance Services in California, Michigan, Minnesota, North Carolina, and Texas
and as Next Insurance Services, in New York, North Dakota, and Virginia.