Commercial 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.
Choosing a commercial truck insurance company can be difficult, as well as deciding on necessary coverage, deductibles, and payment plans. When choosing an insurance company, learn about their years of experience, testimonials through the Better Business Bureau, and even talk to some friends and co-workers. There are many commercial truck insurance companies that offer coverage’s for different types of trucks including tractor-trailers truck, dump trucks, straight trucks, vans, tow trucks, straight trucks and pickup trucks insurance. Commercial truck insurance is totally different from car insurance even though they do the same thing.
Insurance also differs is the types of coverage offered, Truck insurance has to cover the cargo the truck was carrying as well. But car insurance only covers accidents and injuries. The second factor for this is the size of the vehicle, 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.
The coverage needed will depend on many different factors. One factor is whether or not their truck is independently owned or company owned. If the commercial truck doesn’t have the policy that truly covers any damage to the truck, cargo and driver, the owner has the responsibility to cover the liability if an accident occurs.
Some Commercial Truck Insurance plans provide coverage for:
• Primary Liability Insurance
• General Liability
• Non-Trucking (also known as Bobtail Liability)
• Motor Truck Cargo
• Trailer Interchange
• Physical Damage
• and Worker’s Compensation
The major components of truck insurance include primary and general liability coverage for the driver and any involved parties, cargo coverage for transporting loads and physical coverage to protect the truck itself. There are many laws and rules that are pre-set for getting commercial insurance. One of the rules is that all insured trucks insurance should not only cover the truck, but also the driver and cargo.
When it comes to acquire a quote for commercial insurance, it is always best to talk to a live person. Meet with commercial truck insurance agents or brokers before signing up for a policy, and get multiple quotes from different commercial truck insurance companies. The more quotes you get, the better you will understand the various coverage’s and policy types. Once you start getting quotations, be sure to review the coverage closely. When one quote is lower than another, it’s important to make sure you’re being quoted for comparable coverage.
For more information on commercial truck insurance companies and commercial truck insurance quotes visit BestCommercialTruckInsurance.com or Call us today 1-800-513-3135! You will receive help and guidance from one of our licensed insurance representatives and avail our benefits and features designed just for our customers.