A truck driver may only be covered by liability insurance. This could mean that you don’t get all the coverage you need. Your primary liability may not cover all the risks involved in your job commercial trucking insurance.
Although liability insurance may be a great way of avoiding lawsuits against others, it pays only for the damage to the property and injury of other drivers. What about your rig, though? What about your entire body? Without proper coverage in the event of an incident, you will be completely without recourse. It is smart to protect your truck and your livelihood with full coverage truck Insurance.
It’s possible for a lot to happen when you’re on the road or not working. Trucks, trailers and cargo can suffer a variety of damage. Although they may not be out on the roads, this doesn’t mean they aren’t vulnerable.
You can purchase optional types of coverage to cover your damages. Drivers are generally looking for coverage to protect their vehicle and bodily injuries. The following are the most frequently used types for truck insurance trucks drivers choose to protect themselves and their money.
Insurance against Physical Damage
This covers damage to your vehicle caused by an accident. You can extend this coverage regardless of your fault. You can also purchase physical damage coverage which will cover your truck even if it isn’t operational. This type truck insurance offers peace of heart. The policy covers your truck for physical damage. It could be your fault. It can be your fault. Sometimes it can be nature’s responsibility. No matter what, physical damages insurance will repair or replace the truck or your belongings, regardless of who is to blame.
Trailer Interchange Insurance
This type is available to both small and large businesses. It covers trailer interchange agreements between companies and operators, which can help you save fuel and other costs. It covers the driver/company for any damage or accident to the goods of another driver or company. It’s similar in concept to cargo insurance. However, trailer interchange insurance allows for multiple companies or drivers to be covered. This type of insurance is good for maintaining good business relations between freight company.
A Note For Independent Owner/Operators
Bobtail insurance provides coverage for independent truck drivers, even if they aren’t working for a motor vehicle. Truck drivers often work long hours and are often absent from work. However, they can still drive the truck. Bobtail insurance provides coverage for truck drivers when the employer’s coverage has not been in effect. This allows truck drivers to continue to be covered even if they’re not covered by their employer, without the need to purchase a primary liability policy. Bobtail insurance provides insurance coverage for only the time you actually need it.