“Big Rig” insurance is essential for the independent owner\/operator. In today’s highly competitive commercial trucking industry, an owner\/operator has to be a shrewd businessman, and get the best insurance for the lowest premium.<\/p>\n
Are you a person that loves sun-drenched afternoons cruising on mountain roads or along the coastline? Can you close your eyes and see the highway stretch out before you all the way to the horizon?<\/p>\n
Your big rig may be your family business. Do you hit the road with your wife as a driving team?<\/p>\n
Are you a person who enjoys the freedom of being your own boss as an independent owner\/operator? Or are you a leased operator?<\/p>\n
Do you own more than just one truck?<\/p>\n
No matter what your motivation is for owning and operating a commercial semi truck, you will need commercial truck insurance. But all commercial truck insurance policies are not the same.<\/p>\n
Here are some features and coverages you should look for when shopping for commercial truck insurance:<\/p>\n
o\tOnly accept an A-rated insurance company so you’ll have peace of mind knowing that your insurance company has the financial strength to take care of you when covered losses occur.
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o\tComprehensive Coverage – protection for non-collision losses, such as fire, smoke, windstorm, theft, lightning, hail, animals, vandalism, even low branches and overhangs.
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o\tReplacement Cost coverage – on your personal property that is stolen, damaged or destroyed.
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o\tPhysical Damage\/Collision coverage – when your vehicle runs into something.
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o\tReplacement Cost Coverage on the vehicle, which pays to replace your vehicle with a brand new one of like kind and quality. Most policies only pay the Actual Cash Value for a total loss.
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o\tLiability limits – buy high liability limits, it’s inexpensive coverage. Skimp on other coverages but don’t skimp here. Personal injury attorneys love truck accidents and get big jury awards.
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o\tAttached Accessories Coverage – includes running lights, antennas, chrome, custom wheels, custom paint, satellite dishes, and such. Many insurance policies don’t cover customizing equipment. Make sure yours does.
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o\tNon-Trucking Liability, or”Bob-Tail” coverage – takes care of you when you’re using your rig at times you’re not under dispatch.
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o\tMotor Truck Cargo Legal Liability – covers your load against damage from certain causes.
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o\tTrailer Interchange coverage – if you have a trailer interchange agreement, you need this coverage to protect you while you’re in possession of a container or trailer that you don’t own.
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o\tA trailer interchange agreement is a contract that arranges to transfer a trailer from one trucker to another in order to complete a shipment.
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o\tRefrigeration Breakdown Endorsement – provides coverage up to a separate limit shown on the schedule for spoilage of perishable stock while the stock is in transit on a vehicle.
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o\tNon-owned trailer – this is third party coverage for a trailer that you are hauling owned by another entity.
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o\tEmergency Expenses Coverage – pays for lodging or travel back home if your unit is damaged or destroyed by a covered loss more than 50 miles from home.
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o\tTowing and Roadside Assistance – first dollar coverage, no out-of-pocket costs for towing, flat tire changes, fuel delivery and locksmith services.
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o\tOccupational Accident Coverage – pays your medical bills for certain covered accidents while you’re working. Crucial coverage if you do not carry health insurance for yourself.<\/p>\n
We may need more information from you such as driver and equipment lists, MVR’s and loss runs.<\/p>\n
Commercial trucking insurers also offer a variety of discounts, such as:<\/p>\n
o\tMulti-Unit
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o\tMulti-Policy
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o\tSafety Course
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o\tPrior Insurance
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o\tRenewal discount for maintaining continuous coverage<\/p>\n
You will also find a wide choice of deductibles and payment plans available. Choosing higher deductibles will lower your premiums. Flexible payment plans will help you manage your budget.<\/p>\n
By using these strategies, you’ll have the best chance at having fun cruising the roads in your “Big Rig!”<\/p>\n","protected":false},"excerpt":{"rendered":"
“Big Rig” insurance is essential for the independent owner\/operator. In today’s highly competitive commercial trucking industry, an owner\/operator has to be a shrewd businessman, and get the best insurance for the lowest premium. Are you a person that loves sun-drenched afternoons cruising on mountain roads or along the coastline? Can you close your eyes and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[83,232,3949,3950,499],"_links":{"self":[{"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/posts\/3087"}],"collection":[{"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/comments?post=3087"}],"version-history":[{"count":0,"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/posts\/3087\/revisions"}],"wp:attachment":[{"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/media?parent=3087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/categories?post=3087"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techfeatured.com\/automotive\/wp-json\/wp\/v2\/tags?post=3087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}