What Insurance Do Truck Drivers Need?
If you drive a truck for business purposes, you'll be required to get insurance. Since it's the law in all states, you'll face severe penalties if you're caught driving without insurance.
This is true whether you actually own your truck or drive for someone else. As a commercial driver being paid to drive a truck, it's your responsibility to get insurance.
An insurance policy will protect you as well as any customers you may have. In case you're involved in an accident, the policy can cover a certain amount of property damage, and it can help pay for medical care that you or another person might need.
If you're in an accident and your customers' freight gets damaged, your insurance policy could pay to cover that damage. If you didn't have any insurance, you'd have to pay for any damage and medical bills that resulted from your accident.
This would put you in a very difficult situation. Fortunately, truck driver insurance can prevent that from happening.
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FAQs on Truck Driver Insurance
How can you know which coverage you need as a driver?
There are many options when it comes to truck driver insurance. One of the best things you can do is to work with a specialized trucking agent. At CoverWallet, we can go over the different types of coverage with you. They could include:
- General liability: Protects you in case you cause damage or injury to someone.
- Cargo insurance: Covers loss or damage to your cargo.
- Non-trucking liability: Protects you in case you use your business truck for personal use.
- Hired and non-owned insurance: Protects you in case an employee uses your truck for business.
How do I lower my premiums for truck driver insurance?
We know that you have a lot of things to be concerned with. You want to keep your costs low, but you should also get the best possible truck driver insurance coverage.
Many people we work with get more than the minimum coverage amount required. That's because a higher-coverage insurance policy offers more protection and can be useful if you ever get involved in an incident. It can give you peace of mind as well.
Here are some ideas for lowering your premiums:
- Hire drivers with clean records.
- Use newer trucks.
- Keep a clean DOT safety record.
- Raise your deductible.
- Pay your premiums on time.
- Pay annually instead of monthly.
- Use one insurance company for various policies.
Now you know why you need truck driver insurance, how to choose your coverage, and how to keep it affordable. Another smart strategy would be to work with a trusted insurance agent. We're ready to help you. Contact CoverWallet online or give us a call at (646) 844-9933
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