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Understanding Commercial Truck Liability Insurance

It can be challenging and complicated for even knowledgeable truck drivers to understand about Commercial Truck Liability Insurance, however after you comprehend the fundamentals, you will certainly be more prepared to create your own truck insurance plan. Trucking insurance generally encompasses four coverage areas:

  1. Primary Liability
  2. General Liability
  3. Motor Truck Cargo
  4. Non Trucking Liability

Primary Liability Insurance is the insurance coverage required to be able to drive lawfully on the road for any type of motor vehicle. Primary liability delivers protection for other individuals who are injured or whose property has been damaged due to an accident which involved your truck. Truck drivers must carry a minimum of $750,000 worth of coverage in order to legally drive on the road. This way, if you are at fault for an accident, you will have the available coverage to pay the damages. If the damages amount to more than $750,000, you are responsible to pay any additional amounts.  Many truckers will opt to acquire a higher liability limit to cover unforeseen damages.

General Liability Insurance is an insurance that covers accidents that may occur while you are not on the road. Some examples are: loading and unloading your vehicle, stopping at rest stops or parking areas, theft or vandalism. General liability insurance protects you in these types of situations. Particular circumstances regarding coverage may vary between different insurance providers, so you should always do your research to be clear what exactly will be covered.

Motor Truck Cargo Insurance covers the actual goods, product, and cargo that you are carrying. This type of insurance is not required by law, however your customer may demand that you to have this coverage before hiring you. This coverage guarantees that both you and your customer’s cargo will arrive at the destination safely.

Non-Trucking Liability Insurance also called known as deadhead or bobtail insurance, provides protection for your truck when you are not working or on the road. By purchasing this type of insurance, you will be covered when your truck in your driveway or on your property.

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