{"id":23,"date":"2024-04-26T04:00:00","date_gmt":"2024-04-26T10:00:00","guid":{"rendered":"https:\/\/www.rowledge.com\/blog\/?p=23"},"modified":"2024-04-23T13:46:24","modified_gmt":"2024-04-23T19:46:24","slug":"what-van-owners-should-know-about-commercial-van-insurance","status":"publish","type":"post","link":"https:\/\/www.rowledge.com\/blog\/what-van-owners-should-know-about-commercial-van-insurance\/","title":{"rendered":"What Van Owners Should Know About Commercial Van Insurance"},"content":{"rendered":"<h2><strong>Understanding Commercial Van Insurance in Scotia, NY<\/strong><\/h2>\n<p>Scotia, NY, business owners who use vans are legally obligated to possess a commercial van insurance policy. Though a basic policy offers necessary coverage in case of accidents and injuries, other policies deliver comprehensive protection, safeguarding your assets against unfortunate incidents.<\/p>\n<h2><strong>Basic Commercial Van Insurance Requirements<\/strong><\/h2>\n<p>New York law mandates commercial van operators to hold a commercial auto insurance policy encompassing:<\/p>\n<ul>\n<li>A minimum liability limit of $25,000\/person<\/li>\n<li>A minimum of $50,000\/accident for bodily injury<\/li>\n<li>A minimum of $10,000 for property damages<\/li>\n<\/ul>\n<p>As New York is a &quot;no-fault state,&quot; bodily injury coverage not only includes third-party victims but also drivers covered by the insurance policy and any passengers.<\/p>\n<h2><strong>Why Consider Additional Coverage?<\/strong><\/h2>\n<p>Several reasons compel Scotia, NY business owners to opt for more than just a basic commercial auto policy:<\/p>\n<ul>\n<li>Basic coverage doesn&#8217;t offer compensation for theft, vandalism, and damage caused by natural disasters. Comprehensive insurance is a must for these.<\/li>\n<li>While a basic policy covers damage to another vehicle, damage to the insured vehicle is only covered if the other driver is at fault and adequately insured. To avoid out-of-pocket expenses to fix your van if the other party is uninsured or underinsured, consider uninsured\/underinsured motorist coverage.<\/li>\n<li>Commercial auto insurance doesn&#8217;t encompass business assets or products transported in the vehicle.<\/li>\n<\/ul>\n<h2><strong>Assessing Your Options with Rowledge &amp; Falvo Insurance Agency<\/strong><\/h2>\n<p>With Rowledge &amp; Falvo Insurance Agency, you&#8217;ll receive comprehensive assistance in assessing your commercial insurance options, thus ensuring the best picks for your business. Reach out today for more information or to get policy quotes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding Commercial Van Insurance in Scotia, NY Scotia, NY, business owners who use vans are legally obligated to possess a commercial van insurance policy. Though a basic policy offers necessary coverage in case of accidents and injuries, other policies deliver comprehensive protection, safeguarding your assets against unfortunate incidents. Basic Commercial Van Insurance Requirements New York [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[14,13],"class_list":["post-23","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-rowledge-falvo-insurance-agency","tag-scotia-ny"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":1,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts\/23\/revisions"}],"predecessor-version":[{"id":24,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts\/23\/revisions\/24"}],"wp:attachment":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/media?parent=23"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/categories?post=23"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/tags?post=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}