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Whether you operate a consumer garbage pickup business or you own garbage trucks as part of a construction cleanup business, your company cannot afford to lose those trucks in an auto accident. Even repairing damages from an accident can run into the tens of thousands of dollars range, and this could create a heavy financial strain on your company.

If garbage trucks are a big asset in your company, make sure to protect them as fully as possible with commercial auto insurance. Here are some of the most common types of insurance your trucks will need:

Liability InsuranceLiability insurance pays the other drivers expenses when your garbage truck causes an accident. Liability coverage is required by law in most states, and the minimum amounts you must carry on your truck may vary from one location to another. When you set up liability coverage for your dump truck, you will need to select a deductible and a maximum coverage amount. Setting your deductible higher decreases your insurance premium, but use caution to ensure you do not set it higher than you can afford to pay if the need arises.

When you select your maximum liability coverage amount you can choose a single claim limit or a split claim limit policy. Single claim limit policies pay up to a maximum amount per accident that your truck is responsible for. Split claim limit policies assign a maximum amount of money that will be paid on a per person basis for injuries, a maximum that will be paid for property damages, and a maximum total that will be paid per accident.

Medical Payments Medical payments insurance protects you from having to pay the medical bills and associated expenses when your garbage truck is involved in an accident. This coverage is important because it protects the garbage truck driver as well as any passengers who are in the truck at the time of the accident. It is also a no-fault insurance option, which means it pays for medical expenses regardless of who was responsible for causing the auto accident.

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Physical Damage InsurancePhysical damages insurance pays for the cost of repairs or replacement when your garbage truck is damaged or totaled. This insurance is particularly useful for companies who lease their garbage trucks, or who still have outstanding liens and loans against the trucks because it provides the most protection possible.

Uninsured or Underinsured Motorist - Uninsured and underinsured motorist coverage keeps you from having to pay the bills when another driver is at fault for an auto accident. If your garbage truck is rear-ended by a driver that does not carry liability insurance, or the driver does not carry enough insurance to pay for the cost of repairs, your uninsured/underinsured motorist policy will pay for it instead. Uninsured and underinsured motorist protection acts much like your basic liability policy and can include:

Other Important Commercial Auto Insurance for GARBAGE trucks includes:

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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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