Auto insurance for truck drivers can be purchased by the trucking business or driver. The policy falls under the category of commercial insurance. Every truck company has unique needs, and unique needs require specific insurance. For truck drivers or trucking companies, auto truck insurance is a tailored policy that addresses their risks. The risks directly influence the insurance rates.
As a professional truck driver, you have an essential and involved job. You trek long routes across the country, and your journeys keep the economy strong because all sectors rely on the trucking industry to deliver supplies and transport finished goods. Auto insurance is designed to enhance your security when you drive a commercial truck. But acquiring the right coverage can be a complicated process because you need to consider several aspects. There are multiple types of insurance coverages you can choose from, and according to the routes you take and the cargo you transport, you can pick one or another.
Recently, a great number of truck drivers purchased physical damage insurance to protect them in case of an accident.
What is physical damage coverage?
Physical damage coverage applies to the truck when you experience an accident. Liability auto insurance doesn’t cover the physical damage to your vehicle but to the car you hit. You need comprehensive coverage to handle the damage your vehicle gets in an accident. You can buy physical damage coverage as an addition to your liability insurance policy. As a truck driver, it’s smart to combine bobtail and physical damage insurance because they help you pay the damage caused to another road participant. The bobtail insurance policy provides coverage for trucks that don’t have a trailer for commercial purposes. You can benefit from it when you experience an accident with a truck that doesn’t have a load or trailer.
Physical damage coverage protects your car
Most states require all vehicle owners a sort of insurance coverage, but they don’t require the policy to cover the damage to their vehicles. This is something the owner or driver gets to boost their coverage. Physical damage means damage to the vehicle you drive. There are two types of auto physical damage insurance you can get.
– Collision coverage insurance that pays for your car and the injuries the people in the car experience in case of an accident
– Comprehensive car insurance that covers the damages that don’t result in an accident. It pays for damage from riot, theft, fire, windstorm, flooding, vandalism, explosion, earthquakes, breakage of glass, missiles, or falling objects.
Both are designed to cover the damage to your vehicle, and it’s important to identify your needs and get the one that better matches them. You can purchase them separately or together with other kinds of insurance like the bobtail policy.
If you want to find more about the kinds of insurance you should get for your truck, contact an insurance broker specialized in commercial policies.