Cabover Truck Insurance

Commercial Auto Liability (Primary Liability)

Liability coverage generally helps pay for bodily injury and property damage you cause to others in a covered accident. It can also include legal defense costs, subject to the policy’s terms and limits.

Note: Your required liability limit depends on state law and may also be affected by federal regulations and contract requirements (shippers, brokers, and leasing companies often require higher limits than the minimum).

Physical Damage (Comprehensive and Collision)

Physical damage helps protect your cabover truck itself. If your truck is financed or leased, physical damage is commonly required by the lender.

• Comprehensive (Other-Than-Collision): typically covers non-collision events like theft, vandalism, fire, weather, or animal strikes, subject to exclusions.
• Collision: typically covers damage from impact with another object or overturn, subject to your deductible.

Fire & Theft with Combined Additional Coverage (CAC) / Specified Causes of Loss
Some insurers offer a limited physical damage option for heavy trucks—often described as Fire & Theft with CAC or “specified causes of loss.” It can be a lower-cost alternative to full comprehensive, but it’s narrower in what it covers.

Common Add-Ons Truckers Often Need

• Motor Truck Cargo: Helps protect the freight you haul, but coverage varies by commodity, exclusions, and the cause of loss.
• Trailer Coverage: Covers physical damage for owned trailers, and/or non-owned trailer coverage depending on how you operate.
• Trailer Interchange: Designed for non-owned trailers you’re responsible for under a written interchange agreement.
• Rental Reimbursement / Substitute Transportation: Can help with costs for a temporary replacement vehicle when a covered loss takes your truck out of service (availability varies for heavy trucks).
• Custom Equipment / Accessories: Helps cover permanently attached equipment beyond factory standard items, subject to limits and documentation.