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Trucking Auto Liability
Operating a truck on the roads requires more than just fuel and a driver's seat. You need to have your bases covered, and that's where Trucking Auto Liability Insurance comes in. This insurance is a must-have for every truck on the road, safeguarding both drivers and trucking companies in case of accidents.
Auto liability
It is mandatory for all trucks to legally operate in any state.
Here's the lowdown on what it covers:
includes
Personal Injury Protection (Bodily Injury Coverage)
When accidents happen, injuries follow. This coverage takes care of the other party involved, covering their medical expenses, lost wages, and ongoing medical care as outlined in the policy terms.
includes
Property Liability Coverage
Accidents can also mean property damage. This part of the policy handles the expenses for repairing or replacing the other vehicle's property that got damaged. Think vehicle repairs or even personal belongings that were inside the vehicle.
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Be Prepared, be Covered
According to the FMCSA, they require insurance between $750,000 and $5,000,000, depending on the type of cargo being transported.
This policy isn't a magic wand. It doesn't extend to cover truck drivers or your cargo. And, sorry to say, it won't patch up damages to your truck either.
Ensures your operations can continue smoothly, even in the event of an accident.
feel secure
insurance coverage
for every aspect of your business: comprehensive commercial coverage
Frequently asked questions
We’ve compiled this list of frequently asked questions to help you better understand the various types of coverage we offer and how they can protect your business. Whether you’re a fleet owner or an owner-operator, our goal is to provide you with the information you need to make informed decisions about your insurance needs. Feel free to contact us if you have any questions left.
What insurance coverage do I need as the truck owner operator?
As the owner operator, you will need physical damage insurance and non-trucking liability as well as occupational accident insurance. The motor carrier should provide primary liability and cargo coverage. Please make sure to check your lease agreement for the coverage required. Sometimes physical damage, non-trucking liability and occupational accident can be provided by the carrier
What is covered under Physical Damage Insurance?
It covers damages of your truck or trailer resulting from an accident and loss from vandalism, theft, fire, wind or hail.
What is covered under Non-Trucking Liability?
It covers expenses associated with injuries to others or damages of their property caused by you when using your truck for non-business purposes.
What insurance coverage do I need for my trucking fleet?
For a trucking fleet, you need comprehensive coverage including Trucking Liability, Cargo Insurance, Physical Damage, Occupational Accident, General Liability, and Umbrella Insurance (optional)
What happens if one of my trucks is involved in a multi-vehicle accident?
If one of your trucks is involved in a multi-vehicle accident, Trucking Auto Liability Insurance will cover bodily injury and property damage claims. If the total claims exceed your policy limits, Umbrella Insurance will provide additional coverage to protect your business from large financial losses.
What if the value of my cargo exceeds the policy limit?
If the value of your cargo exceeds the policy limit, you would need to cover the excess amount out of pocket. Consider discussing higher coverage limits with your insurance provider to ensure your policy meets the needs of your high-value shipments. However, Umbrella Insurance generally does not cover cargo claims, so it’s important to have adequate Cargo Insurance limits.