A critical aspect of a truck driver’s responsibility while on the road is making sure that they have appropriate insurance coverage in the event that an accident does occur. Truck driver insurance is mandatory in all 50 states and you want to make sure that the legal requirements set by the ICC/MC Authority are met or you could face some serious fines. Here is a look as a few of the different types of insurance available.
Primary Liability Insurance- This is the minimum legal requirement to stay on the road. Primary Liability Insurance provides coverage for the damages and injuries that would occur to another drivers and their vehicle in the event of an accident. As a truck driver, you are required to carry a minimum of $750,000 worth of liability coverage. It is important to remember that this coverage does not cover you or your vehicle in the event of an accident. For this reason you may want to consider more than just primary liability insurance.
General Liability Insurance- This insurance covers your truck when it is not on the road. The means, should your truck be damaged while you are at a rest stop, or even while loading and unloading cargo, your truck is covered. General Liability Insurance may also cover theft or vandalism.
Non-Trucking Liability Insurance- When you are on the road on a job, the company you are working for covers your truck. However, when you are not on a job, you are responsible for the truck insurance while it is sitting in wait for the next job. Non-Trucking Liability insurance is designed to cover your truck while it is not in use.
At Metro Boston Insurance Agency, we understand how important it is to ensure that you and your truck are covered in the event of an accident. Call us today for information on our policies. 617.884.5480
Written by Metro Boston Insurance Agency on Nov 6, 2015