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DUMP TRUCK INSURANCE

If your business uses a dump truck to get things done, losing that truck even temporarily can be disastrous. Even if your dump truck is only damaged in an accident or vandals spray paint it, the financial burden of paying for those types of repairs can be enough to put you out of business.

Whether you offer contracting and construction services, you own a gravel pit or you operate waste management facilities, your trucks are a critical part of being able to do business each day. Protect them to the fullest extent by making sure you have the right types and amounts of commercial auto insurance coverage. Here are the recommended types of insurance your business should carry on the dump trucks:

Liability InsuranceLiability insurance protects you when your dump trucks are involved in an at-fault accident. If you or one of your company employees is driving a dump truck and causes an auto accident, your liability insurance will pay a number of damages. Without this insurance coverage, you would need to pay everything from your own or your company’s funds.

Basic liability insurance is required by law in most states, and it can be configured as a split limit policy or a combined single limit policy. Split limit policies define limits for how much the policy will pay on both individual and overall accident liability. Combined limit policies only define the maximum amount your policy will pay per accident. Liability insurance generally covers two areas: Bodily Injury (BI) and Property Damage (PD).

Medical Payments Medical payments insurance covers your dump truck driver and any passengers when there is an auto accident. This coverage applies to medical care bills and related expenses, and the benefits are paid regardless of who is found to be at fault for the accident.

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Physical Damage InsurancePhysical damages insurance protects your dump truck from damages and loss. There are a number of potential hazards and calamities that can arise on a day-to-day basis that cause damage to your company trucks. If you had to pay for them yourself or out of company funds, it could cause great financial hardship. Physical damages insurance is designed to prevent that hardship by protecting you in one or more ways.

Uninsured or Underinsured Motorist - Uninsured motorists are drivers who do not carry basic liability insurance. Underinsured motorists are drivers who do carry basic insurance, but it is not enough to pay for the damages or medical bills they inflict in an accident. Uninsured or underinsured motorist coverage protects your dump truck from damages and losses that can occur if it is involved in an auto accident. When the other driver is at fault for the accident but they do not have insurance – or they don’t have enough insurance – your uninsured motorist policy can cover the costs.

Other Important Commercial Auto Insurance for DUMP trucks includes:

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