Commercial Auto

The Piedmont Group can provide business auto coverage for a wide-range of business needs. Whether you own a farm, a small business or a company that employs a large fleet of vehicles, we provide competitive rates and comprehensive coverages for you and your drivers.

Under the business auto policy, coverage options include liability, medical payments, collision, comprehensive and uninsured/underinsured motorist. Other coverages are available depending on the vehicle type and business use. Deductibles are available in increments of $250, $500, $1,000 and greater.

Below are some coverage definitions that are important to understand when considering auto insurance.

COMPREHENSIVE COVERAGE (OTHER THAN COLLISION):
This category of coverage insures your vehicle for incidents that cause a loss besides a
collision. Examples of a comprehensive loss include animal damage, flood damage or if
your car is stolen, depending on the terms set forth in your policy.

COLLISION COVERAGE:
Covers any damage to a vehicle if the driver hits, or is hit, by another vehicle or object.

UNINSURED/UNDERINSURED MOTORIST:
Covered under the Uninsured/Underinsured Motorist are the policyholder, other drivers covered under the policy and/or passengers. The purpose of this coverage is to ensure that you, your employees and any passengers are covered for bodily and personal injuries should you be involved in an accident with an at-fault driver or hit-and-run driver who does not have insurance or is underinsured. Although this coverage is not required, it is strongly recommended for all drivers and a release must be signed for those who decline coverage.

BODILY INJURY:
Required by state law, this coverage insures against bodily injury or death in which you are responsible. Bodily injury also provides legal defense should another party submit a lawsuit against you or your business. Examples of items covered under bodily injury include medical bills, pain and suffering and loss of income. Please note, bodily injury only covers injury to people and not damage to your car.

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. or Farm Family Life Insurance Company, Glenmont, NY.

Personal lines and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC^®), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents).

Commercial insurance is issued through Farm Family Casualty Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VA, VT and WV and United Farm Family Insurance Company in MD and PA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy or for more information about coverage options and availability, talk to your American National agent. Eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

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