4 Essential Parts Of Commercial Truck Insurance

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If you're a truck driver or own a business that relies on commercial trucks, you know how important it is to have the right coverage. Unfortunately, not all insurance companies offer the same level of service.


Liability insurance is part of the commercial truck insurance policy that will protect you if someone sues you. The amount of liability coverage required depends on the type of business you're in and its location, but it's important to have enough to cover any potential damages.

That way, if someone gets hurt while working on your property or while driving one of your vehicles and decides to sue the company for injuries sustained due to an accident with one of your trucks, they won't be able to collect any money from either party involved — you or anyone else who may have been responsible for causing the accident (i.e., another driver).

Physical Damage

One of the most important aspects of commercial truck insurance is physical damage coverage. Physical damage coverage protects your truck from damage caused by accidents, weather, or other events. To be clear, this does not include cargo — it only covers the truck itself.

Physical damage coverage is not required by law in all states, but it's highly recommended if you need to make a claim on your policy due to an accident (or any other reason).

Medical Payments Coverage

One of the most important things to consider when purchasing commercial truck insurance is whether or not you want to include medical payments coverage.

Medical payment coverage protects you from lawsuits if someone else is injured or killed in an accident caused by your vehicle. It also covers injuries sustained by passengers, pedestrians, and other people who are not passengers or pedestrians (such as oncoming drivers).

Even if there's no collision involved, this type of coverage will pay out if someone is injured while near your truck--for example, if they fall off their bike because it hit a pothole created by one of your tires. This can help protect against large legal fees associated with defending yourself against such claims.

Comprehensive Coverage

Comprehensive coverage is the broadest and most important part of commercial truck insurance. It covers damage to your truck from fire, theft, and vandalism. It also covers damage to other people's property (and their vehicles) if you hit them while driving a commercial vehicle.

Comprehensive also covers weather-related accidents like tornadoes or hurricanes--but only if they cause damage to your vehicle at home or work, not while it's being driven on the road.

Finally, comprehensive coverage offers protection against animal strikes. For example, If an elk jumps out in front of your rig while you're going 75 miles per hour, then this part of commercial truck insurance will take care of repairs or replacement costs for all those broken parts!

There are a lot of things to consider when choosing a policy, and a professional insurance agency like Fleet Line Insurance can help you choose the right plan for your business.