Types of Coverage
Liability Coverage: Covers injuries or property damage if your truck causes an accident. Given the size of 18-wheelers, this coverage is especially important for the damages they could cause.
Physical Damage Coverage: This includes collision coverage (for damage from accidents) and comprehensive coverage (which takes care of issues like theft, fire, or even damage from bad weather).
Cargo Coverage: You’ll want to protect the goods you’re hauling, whether it's perishable food or expensive electronics. This covers damage to cargo during transport.
Medical Payments Coverage: If your driver or any passengers get hurt, this helps cover medical expenses, regardless of fault.
Uninsured/Underinsured Motorist Coverage: This steps in when your truck is involved in an accident with a driver who doesn’t have enough insurance to cover the damages.
Non-Trucking Liability: If your truck is being driven for non-business purposes and gets into an accident, this covers the damages.