How to Get Commercial Truck Insurance Coverages
If you have started your own business where you may use trucks to make deliveries, than the primary thing that need to be in your head is that you need to get commercial truck insurance. Trucking insurance is very different from car insurance even though they do the same thing. The first factor for this is the size of the vehicle, semi trucks are very large. Being larger also means it has more power and mass and during an accident is essentially a wrecking ball on wheels. Think about that next time you try to force one over.
Having a truck out on the road may be one of the most expensive assets in your company so you need to make sure you do everything you can to keep it protected and insured. It saves your lot of money. Risky situations can be seen and met anywhere in the open road, and the damage it may cause to future victims and the equipment can be costly enough to bring a company down. And that’s why truck owners think about the best truck insurance.
There are too many parts to a policy to get a quote just online and think something is covered when it is really not. One example to think about is gap insurance. That is a policy that coves the value of the truck compared to what is still owed on it.
Commercial Truck Insurance Coverage’s that every owner/operator should be concerned with are:
* Primary Liability Insurance: * Bodily Injury Insurance * Hospital and medical bills * Rehabilitation * Long-term nursing care * Funeral expenses * Lost earnings * Pain and suffering * Other damages * Non-Trucking Liability Insurance * Medical expenses or death caused to other people * Property damage caused to other people * Physical Damage Insurance * Collision insurance * Comprehensive insurance * Fire and Theft with Combined Additional Coverage’s * Other Commercial Truck Insurance Coverage’s that you should consider: * Uninsured Motorists * Motor Truck Cargo Insurance * Most insurance carriers will help you with financial responsibility filing for state and federal filings
Truck Insurance is not something you want to start a business without, especially if you have valuable assets on the road and away from your business. The business owner has to worry about their trucks on the road. It is therefore preferable to obtain an estimate for insurance for commercial trucks to ensure that wealth and businesses are protected
Source : http://ezinearticles.com/?How-to-Get-Commercial-Truck-Insurance-Coverages&id=4581872
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