Alabama Straight and Box Truck Insurance Information and Quotes
We offer some of the best coverage possible in AL for your small, medium and heavy size trucks. 1 Truck to Fleets.
We offer straight truck insurance in every town and city in the state of Alabama. We appreciate each and every Alabama customer! Let us help you today (833) 516-9321.
Get an Alabama straight truck insurance quote started right now and get expert help making sure you have what you need for your operation. If you have information ready for a full quote please use our full quote from.
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Straight Truck Insurance quotes for 1 truck to large national fleets are currently available from our AL brokerage department by using our easy contact form.
We are a multi-state commercial agency specializing in transportation insurance, including Big Rig Tractor Trailers, Straight Trucks and almost all contractor vehicle types.
Alabama Straight Truck Insurance Requirements
Alabama is a state that requires commercial truckers to carry the correct level of commercial truck insurance. This is to protect the public from any accidents caused by commercial truckers. While truckers can purchase the minimum amount of insurance required by the state, it is important to understand the specific regulations that are in place and the additional coverage that may be needed.
Alabama requires that all commercial truckers carry the following coverage:
• Liability Insurance: This coverage is required in order to cover any property damage or bodily injury that results from an accident caused by a commercial trucker. The minimum coverage limits are $50,000 for each person, $100,000 for each accident, and $25,000 for property damage.
• Physical Damage Coverage: This coverage is required in order to cover any damage to the truck caused by an accident. The minimum coverage limits are $5,000 for collision and $2,500 for comprehensive.
• Cargo Insurance: This coverage is required in order to cover any cargo that is damaged or lost due to an accident or theft. The minimum coverage limits are $10,000 for each shipment.
• Uninsured Motorist Coverage: This coverage is required in order to cover any bodily injury or property damage caused by an uninsured motorist. The minimum coverage limits are $25,000 for each person and $50,000 for each accident.
• Underinsured Motorist Coverage: This coverage is required in order to cover any bodily injury or property damage caused by an underinsured motorist. The minimum coverage limits are $25,000 for each person and $50,000 for each accident.
In addition to the minimum coverage required by the state, many truckers opt to purchase additional coverage such as towing and labor, rental reimbursement, and non-trucking liability. Additionally, many truckers choose to purchase umbrella insurance to provide additional coverage beyond the minimum required.
While Alabama truckers may purchase the minimum amount of insurance coverage required by the state, they may be at risk of not having enough coverage should an accident occur. To ensure that truckers have the appropriate level of coverage, they should speak with an experienced Alabama Straight Truck Insurance Broker who can provide them with the best options for their individual situation.
At Alabama Straight Truck Insurance Brokers, we understand the specific insurance requirements that are in place for Alabama truckers. We have years of experience assisting truckers with their insurance needs and are knowledgeable about the coverage options that are available. We understand the importance of providing truckers with the appropriate level of coverage in order to protect themselves and their business from any potential liability. We work with our clients to ensure that they are properly covered and that they are receiving the most competitive rate for their insurance.
We understand that each trucking business is unique and we take the time to assess each situation in order to provide the most comprehensive coverage at the lowest rate available. We are dedicated to providing the highest level of customer service and are committed to helping truckers save money on their insurance while meeting the DOT and FMCSA regulations.
If you are a trucker in Alabama and are in need of insurance, contact our Alabama Straight Truck Insurance Brokers today. We will be more than happy to provide you with a free quote and to explain our coverage options in further detail. We look forward to assisting you with all of your insurance needs.
AL Commercial Auto Insurance Most Requested
AL Straight or Box Truck Insurance
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Other Alabama Business Insurance Available
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Contractors Insurance (CGL) Paper GC’s
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COVERAGES*
In most states, liability coverage is mandatory. All other coverage’s are optional. If your car is leased or financed, you may be required to buy certain coverage limits. Talk through your insurance needs with your independent agent or broker to be certain you have the coverage’s you need.
› Collision
Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object.
Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500. Select a deductible amount that you are comfortable with – if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.
› Comprehensive
Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen.
Coverage under Comprehensive is also subject to a deductible amount – usually the same amount you choose for Collision coverage.
› Liability
Bodily Injury and Property Damage (BI/PD) liability covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If we cover an accident for which you’re sued, we pay for a lawyer to defend you.
You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000/$300,000 means that we will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, we pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).
› Personal Injury Protection
Personal Injury Protection (PIP) is available in certain states and is commonly referred to as “no-fault insurance.” PIP covers your medical bills and often lost wages. PIP usually also covers the cost of personal services you must pay someone else to do for you as a result of a car accident.
› Medical Payments
Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.
› Uninsured/Underinsured Motorist
Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.
› Rental Reimbursement
If you buy Rental Reimbursement coverage, we will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy Rental Reimbursement coverage if you buy Collision and Comprehensive.
› Roadside Assistance
Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disabled as a result of a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out. We will also help if you run out of gas or other fluid or become stuck in snow or mud within 100 feet of a road or highway. If necessary, Roadside Assistance will cover towing to the nearest qualified repair facility.
We write AL Straight and Box truck insurance and commercial auto insurance in all counties, towns and cities in Alabama.
Towns and cities in Alabama where we have helped truckers get the right coverage:
Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Hoover, Dothan, Decatur, Auburn, Madison, Florence, Gadsden, Vestavia Hills, Prattville, Phenix City, Alabaster, Bessemer, Enterprise, Opelika, Homewood, Prattville, Pelham, Troy, Trussville, Saraland, Calera, Oxford, Fairhope, Mountain Brook, Center Point, Spanish Fort.
We offer straight truck insurance in the following Alabama counties:
Calhoun, Jefferson, Mobile, Madison, Montgomery, Shelby, Tuscaloosa, Baldwin, Etowah, Lee, St. Clair, Limestone, Blount, Russell, Cullman, Houston, DeKalb, Autauga, Talladega, Chambers, Elmore, Lauderdale, Morgan, Marshall, Cherokee, Walker, Colbert, Washington, Bullock, Coffee, Covington, Barbour, Marengo, Perry, Hale, Clay, Bibb, Chilton, Pickens, Wilcox, Macon, Jackson, Lowndes, Butler, Franklin, Greene, Winston, Lawrence, Monroe, Conecuh, Sumter, Choctaw, Escambia, Dale, Henry, Randolph, Cleburne.
