Commercial Auto Insurance in Wilmington, IL
If your business relies on vehicles, whether for deliveries, job site visits or transporting equipment, commercial auto insurance can help keep your operations running smoothly when unexpected issues arise. At Oak Knoll Insurance & Tax, we help businesses explore why this coverage matters and what to expect if you need to file a claim.
Why Is Commercial Auto Insurance Important? 
Business-use vehicles are exposed to higher risk than personal cars as they often log more miles or carry valuable tools and equipment. Commercial auto insurance is designed to reflect that exposure and can help cover costs if one of your vehicles is involved in an accident or experiences a covered loss.
This type of policy may assist with the following situations:
- Third-party property damage or bodily injury you’re responsible for
- Physical damage to your vehicle caused by a crash, theft, fire or weather
- Medical expenses for injuries to your driver or passengers
- Legal costs related to lawsuits after a serious incident
- Rental reimbursement, roadside assistance or towing, if added to the policy
Without adequate coverage, even a minor accident can lead to delays, lost income or legal issues that impact your business long term.
How Do You File a Commercial Auto Insurance Claim?
If your business vehicle is involved in a covered event, document what happened. Take photos of the damage, gather all parties’ contact and insurance information, and request a police report if applicable.
Next, contact your insurance provider with your policy number and claim details. An adjuster will evaluate the incident and review your coverage. Depending on the situation, the insurer may assist with repairs, medical costs or third-party claims, within the limits of your policy and after the applicable deductible is paid
Contact Us Today
Oak Knoll Insurance & Tax helps businesses manage risk on the road with commercial auto insurance that fits their operations. Reach out today to request a quote or review your current coverage.