There are a lot of Florida road conditions to be aware of. From construction to thunderstorms, just about anything can happen. Understanding the conditions will make it easier for you to choose the right commercial auto insurance for your business. This will help you to protect your company vehicles more effectively and recover from issues that may occur throughout the year.

CONSTRUCTION

It seems as though there is construction all the time. While it may not be right down the road from you, you likely encounter it at some point throughout your regular drive. Construction signage will tell you to slow down, and this is because of road workers. However, there are other dangers that the signs to warn you. This includes nails, rough terrain, construction cones, and much more.

If your vehicle is damaged by construction site, you may be able to file a claim with your commercial auto insurance. This can help to soften the blow in terms of how much you would have to pay otherwise on your own.

FLOODING

Drainage is not always ideal on Florida roads. If there is a significant amount of flooding, you may have no choice but to drive through it in your commercial vehicle. This could result in flooding the engine, or other damage to the vehicle. While this is considered a “driving-related” accident, it would fall under comprehensive coverage.

ROAD DIVOTS

Depending upon the type of vehicle you drive, all it takes is one good road divot in order to veer off course. If you have precious cargo in your vehicle, you may even try to take the divot slower in order to reduce the likelihood of damage. By doing so, you could end up causing even more damage to your vehicle.

WILDLIFE

The reality is that there is a lot of wildlife on the roads of Florida. Particularly in South Florida, it’s not uncommon to see alligators, deer, and even the occasional panther. This is certainly going to vary based upon where and when you’re driving, but this is definitely a road condition you have to consider. If you were to hit any kind of wildlife, it has the potential of causing serious damage to a vehicle. These are not repairs you want to have to make on your own.

Understanding all of the different road conditions that exist in Florida will make it easier for you to shop for commercial auto insurance. This is because you will be able to learn about what could potentially happen, and have the right level of coverage. Work with an independent insurance agent who specializes in business insurance. This will ensure that they will be able to guide you through the various options and recommend a policy that will provide all of the financial protection you need.