Things You Need to Know When You’re Adding a New Vehicle to Your Commercial Auto Insurance 

Adding a new vehicle to your commercial auto insurance policy is an important step for any Texas business that relies on company vehicles. Whether you’re expanding your fleet or replacing an older vehicle, making sure your insurance is up to date can help protect your finances in case of a liability claim or damage to a company vehicle.

At GEC Insurance Services, we can guide you through the process of adding a vehicle to your commercial auto insurance and ensure your coverage keeps pace with your business needs.

What Should I Consider Before Adding a Vehicle?

Consider the following factors when adding a vehicle to your commercial auto policy:

• Vehicle use: How the new vehicle will be used may affect your coverage needs.
• Type of vehicle: The vehicle’s make, model value and year can impact your premium and coverage options.

• Driver Information: Insurers may require details about your or your employees’ driving records and experience.

What Information Should I Provide?

Insurers may ask for the following information if you want to add another vehicle to your policy:

• Vehicle identification number (VIN)
• Proof of ownership or lease agreement
• Vehicle registration details
• Odometer reading and vehicle condition
• Driver information, if new operators are involved

What Are the Steps I Need to Take to Update My Policy?

• Contact one of our agents when considering a new vehicle purchase. Submit all required documentation about the vehicle and drivers.
• Our agents will help you assess your coverage options and maintain compliance with state insurance requirements.Once your coverage is updated, you’ll receive proof of insurance for your new vehicle.

Why Do Timely Updates Matter?

Delaying updates to your commercial auto policy can leave your business exposed to risks or non-compliance penalties. Keeping your insurance current ensures every vehicle in your fleet is properly covered.

Contact the GEC Insurance Services team today to request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.