How Does
How Does Commercial Truck Insurance Work?
What Kind of Trucks Are Covered?
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Commercial truck insurance covers a variety of commercial truck types, including tractor-trailers, dump trucks, straight trucks and pickup trucks. This type of insurance can be purchased by owner-operators for a single truck or for companies that need to insure an entire fleet of trucks.
Basic Coverages
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Commercial truck insurance, like personal automobile coverage, provides standard protections such as comprehensive and collision, general liability, uninsured/underinsured motorist protection and medical payments.
Specialized Coverages for Commercial Trucks
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Commercial truck insurance also includes specialized business-related coverages that add further protection to the standard policy. Motor truck cargo coverage affords protection against lost, stolen or damaged cargo in transit. Trailer Interchange coverage protects the insured against losses to non-owned trailers being pulled by their insured trucks. Non-trucking (bobtail) liability offers protection to owner-operators who are permanently leased to an ICC-regulated carrier. This provides coverage for trucks when not being used directly for business purposes, such as when a truck is bobtailing and goes to a truck wash or to a shop for repairs.
Non-Insurance Services
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Many insurers, and their agents, provide assistance with ICC (Interstate Operating Authority) compliance and filings.
eHow Article: How Does Commercial Truck Insurance Work?
