4 Things You Need To Know About Commercial Truck Insurance

Published on: 07 March 2019 Last Updated on: 13 September 2024

Different coverage features are available for commercial truck owners who wish to protect their vehicles. Commercial truck insurance plans also protect your employees. Remember, personal auto policies won’t cover commercial trucks. Here are four things to know when you’re shopping around for the right commercial truck insurance.

1. Commercial Truck Insurance Coverage:

Coverage for commercial truck insurance plans fall under three categories:

Basic Coverage:

Basic coverage for commercial trucks includes collision and comprehensive protection. Collision insurance covers the cost of the other automobile in an accident wherein you (as the driver of the commercial truck) were at fault. Comprehensive insurance works similarly as collision protection, but this coverage helps cover costs from accidents other than collisions.

Specialized Coverage:

Companies who wish to add additional protection to their truck insurance policies may opt for specialized coverage. One example is cargo insurance wherein the insurance firm can cover the costs for losses or damages to cargo. The total claimable amount depends on the nature and value of the load.

Non-Trucking Coverage:

Individual coverage may not directly relate to commercial trucking but may still be reliable in certain situations. Commercial truck coverage may include bobtail, non-trucking liability, occupational accident, and personal item insurance. Here’s a brief description of non-trucking coverage plans:

Bobtail insurance: Takes effect after the delivery of the package and the vehicle is being driven without cargo.
Non-trucking liability insurance: Applies when the vehicle isn’t transporting cargo with or without a connected trailer.
Occupational accident insurance: It covers the operator for accidental death or dismemberment during truck driving.
Personal item insurance: This coverage covers the full or partial costs of lost or damaged personal items in the commercial truck.

The coverage for the insurance plan can differ depending on the truck. Large vehicles that may be part of the security policy may include:

Tractor trailers or 18-wheelers
Garbage trucks
Tow trucks
Tank trucks
Dump trucks
Automobile haulers
Flatbed trucks
Box trucks

2. The Need for a Commercial Truck Insurance:

Commercial truck businesses may need financial help to protect the company’s assets from burdens caused by particular incidents. A commercial truck insurance plan is ideal if your employees are driving vehicles to make deliveries, run errands, or drive people on behalf of the business. You may need coverage for your commercial truck business if you use your firms’ vehicles to:

Carry equipment
Transport hazardous material
Use, carry, or transport heavy construction equipment
Deliver newspapers
Deliver retail or wholesale products

Most commercial trucking companies will need basic coverage for their insurance plans. Still, there are certain situations wherein there might be a need for additional coverage. Ask your insurance agent if you may need other features for the insurance policy.

3. Getting Commercial Truck Insurance Quotes:

The values concerning commercial truck insurance varies depending on the truck and nature of the business. These factors may make it difficult to gain a side-by-side comparison for different quotes. Work with your insurance agent to break down individual elements to help you achieve the right insurance policy for your trucking company. To get accurate values for your insurance quotes, your agents may ask you:

The full names of the employees driving your trucks
Locations of the truck operations (e.g., construction sites and hard hat areas)
The commonly delivered packages
Annual distance traveled in miles of the trucks

Don’t forget to include the driving records of your employees when showing data to your insurance agent. The pieces of information will help you and your agent gathers quotes hoping to give you value from your insurance policy.

4. Commercial Truck Insurance Premiums and Deductibles:

Premiums for commercial truck insurance policies are payable in advance through monthly payments. Insurance companies may allow policyholders to cancel the plan at any time. Cancellation may not affect the credit score, but you need to pay all the premiums before the date of cancellation takes effect. Also, insurance premiums may be higher if the policyholder or the truck’s driver has a bad driving record.

Remember, insurance companies test the level of risk of policyholders. Hence, drivers with recorded accidents may have to pay higher deductibles than a truck operator with a clean driving record.

Commercial truck insurance policies are essential to trucking businesses regardless of size. Commercial truck coverage joins the top things to consider when starting a small trucking company. All insurance policies help you gain peace of mind. It’s best to resist the temptation to cut coverage hoping to reduce costs. Work with a reliable insurance firm to help you see the coverage you need for your trucks and drivers.

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There Is A Pothole Problem In America – How To Protect Your Car From Damage?

Drivers around the United States are complaining of potholes on the roads. In fact, there is a serious pothole problem in America. The AAA released their recent study report - which reveals that potholes cost the Americans drivers $3 billion a year. A pothole can damage your car other than making your ride bumpy. The suspension system of your car gets messed up when you drive over a pothole. On the other hand, potholes can bend the wheels of your car and puncture them in the process. Pothole-related repair costs can vary depending on the type of damage to your car. RepairPal is a good online tool to get an estimate on specific types of car repairs. Your location and other variables can affect the cost of repairs. In fact, the average repair cost will be around $300. You should contact a mobile mechanic Houston for assistance in this regard. $300 is a lot of money. For that amount of money, you can easily take your family to Disneyland. It is a pity that we have to deal with potholes on our road network since the government is responsible for providing its people with safe roads and bridges for travel. Potholes would make most of you mad. In fact, you should be writing to Congress and telling them to fund the road development projects in your area. There is at least one pothole in your daily commute. In fact, most people are complaining about it. Then there is another one and another one - which go on and on. These potholes are quite annoying and will damage your car upon impact. Public works associations have been repairing a lot of these potholes lately with the assistance of the public. Most potholes need urgent repairs today. You should pressurize the city councils to get the work done immediately. The city is not responsible for the damage caused to your car due to potholes on the roads - unless the work crews were negligent. Since the city doesn't insure the streets, they are not responsible for repairing damaged cars under the prevailing law. The American Automobile Association conducted a survey in 2016 and found out that potholes on the road networks have caused damages to the vehicles contributing to more than $3 billion per year for the last five years. Many public works associations have promised to repair potholes on roads within 48 hours of receiving a complaint from a resident. If you run into a pothole while driving, here are some tips to avoid them - courtesy of State Farm Insurance. Drive on familiar roads. In fact, you can easily avoid potholes when you drive on roads that are familiar to you. Make sure that you travel on roads that are well-lit. You will be able to see the surface of the road while driving in the night when the road is well-lit. Slow down and you can easily spot a pothole and avoid it while driving. Avoid tailgating. It is important that you give yourself time to be able to see the road conditions ahead when driving behind another vehicle. Brake before the impact. When you aggressively apply brakes, there is a greater load on the tires, wheels, and suspension system of the car. This can cause more damage to your car. That is why it is important that you brake at a distance before the impact. AAA provided the following tips: Check your tires for proper inflation at regular intervals. The tires are the main cushion between the wheels and suspension on your car and the pothole. Hence, it is important to check the inflation on a regular basis. Prevent swerving. Use your rear-view mirror before trying to avoid a pothole. It is important to prevent the risk of a collision. Listen for strange vibrations from the car. Pothole impacts can bend or break the suspension components in your car. It may also damage tires and wheels and dislodge wheel weights. Check the wheel alignment. A pothole can affect the steering of the car. It may knock the wheels of the car out of alignment in the process. How Do You Prevent Damages To The Car From Potholes? Driving is all about coping with potholes and traveling safely. In fact, damaged wheels and tires will leave motorists stranded at the side of the road - thereby leaving their wallets empty. The new Ford, Lincoln, and Mercury vehicles go through a stringent testing process in order to prevent damages caused by chuckholes. Ford uses several proving grounds in order to validate its vehicle designs such as Romeo, Mich., and Dearborn, Mich. These grounds are filled with different types of torture devices to test and improve the durability of the vehicle. The engineers at Ford design spare parts up-front to deal with these potholes. They balance these parts for numerous other custom driving conditions. The engineers will tune shock rebound rates in order to keep the wheel and tire suspended to glide over the pothole. This will prevent the tire from dropping into the pothole and impacting the edge of the tire and wheel. Ford Motor Company Offers Drivers Several Tips To Prevent Damage To The Vehicles From Potholes: Keep the tire pressure constant at the manufacturer's recommendation. This will help protect the wheels and tires from being damaged due to the impact of the pothole. Don't swerve to avoid a pothole. It creates a situation where the front wheel and tire hit the edge of the hole at an obtuse angle. This can do more harm than hitting the pothole squarely. If you are safe, don't brake as soon as you see a pothole. Instant braking will compress the car's front suspension and force the wheel and tire down the pothole without gliding over it. In fact, even if you drive very carefully, there is a chance of having a flat tire on the highway. Drive slow to the closest safe area out of traffic. Even though this can damage the flat tire - your safety is more important. If you suspect your car has been damaged or feel a sudden vibration, reduce your speed immediately. Drive slowly until you can safely pull off the road. Inspect your tires for damage. If the tire is flat, replace it with the spare wheel. If you can't find a cause, get your car towed to the nearest repair shop and have a mobile mechanic Houston inspect your car.

Motorhome Servicing and Maintenance: Your Complete Guide

Your motorhome is not only your gateway to holiday fun, but it is also a road vehicle. To keep yourself and your passengers, and others on the road safe, you need to have your motorhome serviced regularly. Regular servicing helps maintain safe operation as well as the longevity of your vehicle and keeps it in better condition so it retains its value for longer. Here’s what you need to know about motorhome servicing and maintenance. Where Can I Get My Motorhome Serviced? A workshop specializing in motorhomes carries out the servicing. Servicing can often be arranged through the dealership where you purchased your motorhome, and this is usually the most efficient way to get a professional and reliable service. Make sure you carry out the service at the times and mileages recommended by the motorhome manufacturer. In addition to the chassis and mechanical checks, you need to service the living area, which is often called a habitation check. This should also be carried out by a specialist workshop of the motorhome dealership. During this service the engineer should check the heating systems, water supply, gas, and electric systems and the fixtures. They will also check for signs of damp or dangerous wear and tear. It is important to have a regular habitation check since this keeps the vehicle safe as well as making it more comfortable. Don’t forget to book your service early as many workshops are busy during the spring months before the season starts. What Can I Check at Home? As well as the regular professional servicing and habitation checks, you can also keep your motorhome in top condition with maintenance checks. Set up a schedule to spring clean your vehicle on an annual basis; you give the van a thorough clean to remove any build-up of dirt and grime that could lead to deterioration over time. Check the windows and doors for leaks or damaged seals. Damp inside the van can be a problem. If you notice any musty smell or any signs of mould, open all the windows and doors, remove the mould, and give the van an effective airing. Check the water and power systems. Clean water tanks with recommended cleaners and sterilizers. Check the gas system so that everything remains properly connected and there is no damage to any fixtures. Look over the appliances to make sure everything works correctly. Open out the beds and air any soft furnishings. Look at the oil and coolant levels and check the battery of the motorhome. If you don’t use your vehicle over the winter, keep the battery charged by turning on the engine or running the van every six weeks or so. Start the vehicle to check the wiper blade work and that the blades have not perished. You can also check, before you start your first trip of the season, that your paperwork is in order and you have the correct MOT certificate and evidence of regular servicing. Make sure your breakdown cover is up to date and you have the correct insurance cover. Once you have completed all these checks, you’ll enjoy a more relaxing and safer season in your motorhome. Read also: How Car Detailing Can Keep Your Vehicle in Top Shape Contemplating an Aluminium Ute Canopy For Your Four-Wheel Drive Vehicle?

Most Dangerous Intersections in Fort Lauderdale

Driving in Fort Lauderdale can be pretty intimidating and for good reason. Broward County is repeatedly found to be one of the most dangerous places to drive in the country, with a total of 41,755 accidents reported in 2016, which resulted in 245 deaths and 25,361 injuries. There are a lot of reasons that this could be the case, but the intersections of Fort Lauderdale might play at least some role in these numbers. Who hasn’t been uncomfortable sitting at a massive intersection, paying attention to the left turn, right turn, and straight green or red lights trying to figure out when it’s safe to go? Fort Lauderdale’s Zero Vision movement is an effort to reduce injuries and fatalities across the city for drivers, pedestrians, cyclists, and everyone else who shares these roads. Take a look at some of the most dangerous intersections, and tell us what intersections you think are worth mentioning in the comments below. A1A and Las Olas Blvd In 2015, this intersection had more than 1,000 accidents that caused injuries. That means that this doesn’t even include fender-benders where nobody was injured. Many accidents at this intersection are from one car rear-ending another, which can cause serious problems like whiplash. For personal injury firms like Friedland & Associates, this intersection is well-known due to the high number of injury cases that begin there. Sunrise Blvd and Andrew Avenue A lot of the accidents at this intersection comes from people either trying to race through yellow lights. When a driver decides to try to beat the light, they quickly realize how wide the intersection is, and may not be across completely before the other drivers begin to move through their now-green lights. For those who think that yellow means “speed up,” Florida’s intersections are a simple proof of why this is a bad idea. NE 26th Street and Federal Highway Depending on the side and direction of the street you are traveling on, this intersection has both 3- and 4-lane roads that either direct drivers to go straight, left, or right. This can often lead to confusion, especially for tourists who are unfamiliar with such large intersections or are just getting familiar with their rental vehicles as they cause an accident in one of the many lanes. Of course, we can’t pin all of the blame on tourists, so make sure you keep an eye out when you are coming through this intersection as well Not Just Concerning for Drivers Intersections can cause serious problems for drivers, but they can cause serious problems for pedestrians and cyclists as well. When traveling on foot, some intersections require pedestrians to cross eight full lanes of traffic before they are safe to the other side, which is just one reason that Broward County is so dangerous for pedestrians. Florida has the highest rate of pedestrian deaths in the country. In addition to foot traffic, cyclists must navigate these roads while sharing lanes with drivers who are either inexperienced with interacting with cyclists, or simply not expecting them on such busy streets. Read Also: Windscreen Replacements Are You Thinking About Buying Quad Bike For Your Kid? Honda Cars In Watertown NY: 8 Things To Check Before Buying A Second Hand Car

4 Things You Need To Know About Commercial Truck Insurance

1. Commercial Truck Insurance Coverage:

2. The Need for a Commercial Truck Insurance:

3. Getting Commercial Truck Insurance Quotes:

4. Commercial Truck Insurance Premiums and Deductibles:

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Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

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4 Things You Need To Know About Commercial Truck Insurance

1. Commercial Truck Insurance Coverage:

2. The Need for a Commercial Truck Insurance:

3. Getting Commercial Truck Insurance Quotes:

4. Commercial Truck Insurance Premiums and Deductibles:

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Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

Leave a Reply

Popular

Follow Us

Recent

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