Vehicle liability insurance protects against injuries to other people or damage to their property if you're at fault for an accident. It contains two coverages:

1. Bodily injury: Pays for the other driver’s medical bills, rehabilitation costs, and more if you’re liable for their injuries.
2. Property damage: Covers damage you cause to other vehicles and property.

You’ll choose a split limit or a combined single limit (CSL) to determine the maximum amount your policy pays out. Split limits separate injury and property damage coverages into individual amounts, while a combined limit is a total maximum payment for all accident-related damages.

Each state has different liability insurance requirements. Learn more about commercial auto insurance by state.

There are four uninsured/underinsured motorist coverages that can protect your commercial drivers, depending on your state and coverage selections:

1. Uninsured motorist bodily injury (UMBI): Pays for injuries to you and your passengers if the at-fault driver doesn’t have liability insurance or you’re involved in a hit-and-run accident.
2. Underinsured motorist bodily injury (UIMBI): Covers you and your passengers if the at-fault driver’s liability limits aren’t high enough to pay for your injuries.
3. Uninsured motorist property damage (UMPD): Pays to repair or replace your vehicle if a driver with no insurance damages it.
4. Underinsured motorist property damage (UIMPD): Pays to repair or replace your vehicle if a driver without enough coverage damages it.

Medical payments, also known as MedPay, is a driver protection that covers you and any passengers injured in an accident. It protects you regardless of who is at fault.

You’ll select a per-person limit when you purchase medical payments coverage, which determines the maximum amount your insurance company will pay for each person involved in the accident.

Comprehensive coverage protects your vehicle from non-collision events that are out of your control, including fire, theft, vandalism, glass damage, and hitting an animal. It also covers acts of nature, such as hail. Your lender might require comprehensive insurance if you finance or lease your vehicle.

Collision insurance pays to repair or replace your vehicle if it collides with another object, overturns, or rolls. It covers:

1. Single-vehicle accidents, like hitting a telephone pole
2. Collisions with other vehicles
3. Collisions while your vehicle is parked, such as another car backing into you

To purchase collision coverage, you must have comprehensive insurance or fire and theft with combined additional coverage (CAC) insurance. Your lender might require collision coverage if you finance or lease your vehicle.

Roadside assistance covers up to one hour of on-scene labor if your commercial vehicle breaks down due to events like a mechanical or electrical breakdown. It provides towing to the nearest repair facility, locksmith services, flat tire changes, fuel or fluid delivery, battery jump-starts, and more.

Roadside assistance for light vehicles is available in all 50 states, and heavy truck roadside assistance is available in most states.

Hired auto insurance includes vehicles you lease, hire, rent, or borrow in connection to your business. If you or one of your employees needs to drive an auto not listed on your commercial auto policy, hired auto coverage can extend your existing liability protection.

Non-owned auto insurance extends your liability coverage to include employees who occasionally use their personal autos for work. While all the vehicles your business owns, registers, or contracts should be on your commercial auto policy, non-owned auto coverage can protect you and your employees when they’re on work-related errands.