With a career on the road it’s crucial you have trucking insurance. There are many forms of trucking insurance, but the most important, and evidently the most costly is liability insurance. Liability insurance protects you from damages or injuries sustained to other people as a result of an accident.
Most people don’t realize trucking insurance is much more complex than auto or home insurance, and it’s important to understand the different types of liability.
Primary liability is the minimum amount of insurance you’ll need while on the road. This insurance covers injuries and damage that occurs to other drivers in the case of an accident. Primary liability only covers damages of at least $750,000. Primary liability is a good choice if you’re looking to save money, however, if the opposite driver decides to go after your personal wages you are not protected and may want to look into other liability options.
General Liability Insurance
Unlike primary liability, general liability also covers your truck when you are in parking lots, rest stops, and other loading areas. General liability protects your goods from damage, loss, or theft while in transit, or in a parking lot.
Non-Trucking Liability Insurance
Non-trucking liability keeps you protected in the case of an off-duty collision. The chances of having an accident off-duty are low, but it can happen.
Tips for getting the right type of liability in North Texas
You’ll want to research trucking insurance before going to an insurance agent so you can be familiar with the coverage you are seeking. An insurance agent can then better access your needs, and determine the best option for you. There are several types of trucking-related insurance coverages you should become familiar with including:
• Primary Damage Insurance
• Primary Auto Liability Insurance
• General Liability Insurance
• Non-Trucking Liability Insurance
• Non-Owned Trailer Liability
• Non-Owned Trailer Physical Damage Coverage
• Trailer-Interchange Liability
• Cargo Insurance
• Terminal Coverage
After you’ve done some research, let an agent take care of the rest. Trucking insurance professionals can help you determine the best coverage, and give you details on what they offer.
Broken Spoke Insurance specializes in providing insurance for trucks and trailers of all sizes. We understand the trucking industry and can fulfill your needs in Amarillo and North Texas. Additionally, we offer 24-hour certificate and ID cards. Call us today and find out why we’re Amarillo’s trucking insurance specialists.