Trucking Insurance Information
Commercial trucking operations face risks specific to the transportation industry and require certain types of insurance to help protect the company's financial well-being. While some policies are required, others are optional and can customize a commercial trucking company's coverage.
Contact Auto Insurance Discounters serving the Kansas City, Kansas, Kansas City, Missouri and Independence, Missouri areas for more information and a quote.
Is Commercial Trucking Insurance Required?
According to federal law, trucking companies and tractor trailer drivers must carry commercial auto insurance with at least the minimum amount of required liability coverage.
Liability insurance helps pay for third-party property damage and injuries. Coverage options depend on the vehicle type, information about the driver and the goods they haul.
There are two main types of liability coverage included with commercial auto liability insurance:
Talk with your agent to understand your commercial trucking liability insurance options. They can help you get the coverage you need to help mitigate common risks in the trucking industry.
Bodily injury liability coverage helps pay for third-party injuries in an accident caused by the tractor trailer driver.
Property damage liability coverage helps pay for third-party property damage caused by the tractor trailer driver.
What Additional Trucking Insurance Coverage Does a Commercial Trucking Operation Need?
Depending on your needs, your agent may recommend the following coverage in addition to your commercial trucking liability policy?
Your agent may also recommend these additional policies to help expand your coverage:
Collision insurance helps pay for damages to your tractor trailer if it collides with another vehicle or object.
Comprehensive insurance helps pay for damages to your tractor trailer after a covered event such as weather damage, fire or vandalism.
Uninsured/underinsured motorist coverage helps repair or replace your tractor trailer after an accident if the responsible party doesn't have suitable types or amounts of insurance.
Depending on your company's needs, you may also benefit from coverage provided by the following policies:
Trailer interchange insurance helps pay for damages if someone other than the owner uses the trailer to haul cargo and it's damaged in an accident.
Bobtail insurance helps cover damages that happen while a driver uses the truck and does not have a trailer attached to it.
Umbrella insurance helps pay for damages that exceed the trucking company's liability insurance limits.
Get Commercial Trucking Insurance Today
Contact the agents at Auto Insurance Discounters to learn more about how you can customize your commercial trucking insurance policies to meet your company's needs.