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Many businesses and independent truckers use a box truck to carry out their business operations. Moving companies, retail shipping companies, and couriers are examples of the kinds of businesses that use a box truck. Regardless of why your company uses box trucks, you need to be sure you have them fully protected with commercial auto insurance. Whether you are a private truck carrier or an independent trucker for hire, there are a number of important types of business auto insurance you should carry for your truck:

Liability InsuranceBodily injury coverage pays for the physical harm that comes to one or more people as a result of the auto accident. If your box truck causes and auto accident and people receive injuries in that accident, the bodily injury portion of your liability coverage will pay the medical bills and related expenses.

Liability insurance comes with two important pieces:

Medical Payments Medical payments insurance protects you and your company from having to pay the medical bills when your box truck is involved in an accident. This coverage applies to the driver of your truck and all passengers that were riding in the truck at the time the accident occurred. Medical payments coverage benefits are paid regardless of who was at fault for the accident. This commercial insurance option is not available in all areas. Talk to one of our licensed representatives to determine if this coverage is available to, and appropriate for, your company's insurance needs.

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Physical Damage InsurancePhysical damages insurance protects your box truck itself. If the truck is damaged or destroyed in an accident, your physical damages protection can cover the cost of repairs and replacement. There are three levels of protection available, and the one that you choose determines the extent of loss protection for your truck.

Uninsured or Underinsured Motorist - Despite auto insurance laws in most states, some people still drive without carrying basic liability coverage. Other people carry liability, but it is not enough coverage to fully pay for the full extent of damages they inflict in an auto accident.

An uninsured and underinsured motorist protects you from these hazards. If your box truck is involved in an auto accident and the other driver is at fault, that driver’s insurance is obligated to pay for the injuries and damages. If the driver is not insured or underinsured however, your uninsured/underinsured motorist policy will pay for them instead.

Other Important Commercial Auto Insurance for BOX TRUCK:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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