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We are a multi-state commercial agency specializing in transportation insurance, including Tractor Trailers, Straight Trucks and most delivery vehicles and almost all contractor vehicle types. We have Transportation Risk Specialists to help make sure that you have just what you need for your operation regardless of how many vehicles or employees that you have. We have been insuring since 1986 and would like the chance to be your insurance broker.
Straight Truck Insurance Requirements and How Straight Truck Insurance Brokers Help Truckers Save Money
Straight truck insurance is a type of commercial truck insurance that covers all straight trucks, including semi-trucks, box trucks, and flatbeds. It is important for truckers to understand the types of insurance coverage they need to protect their trucks and comply with Department of Transportation (DOT) and Federal Motor Carrier Safety Administration (FMCSA) regulations. This webpage provides an overview of typical straight truck insurance requirements, explains how insurance brokers help truckers save money on their insurance, and outlines the benefits of working with our insurance brokers.
What is Straight Truck Insurance?
Straight truck insurance is a type of commercial truck insurance that covers straight trucks, including semi-trucks, box trucks, and flatbeds. It provides coverage for the truck and its cargo in case of physical damage or loss due to theft, vandalism, or an accident. It also covers the trucker’s potential liability for damages or injuries caused to property or other people in an accident.
Straight truck insurance is a necessity for truckers who want to remain compliant with DOT and FMCSA regulations. It is also an important tool for protecting their businesses and personal assets. Without insurance, truckers can face serious financial losses in the event of an accident or other incident.
Typical Straight Truck Insurance Requirements
The typical straight truck insurance requirements vary by state but generally include the following types of coverage (scroll down for expanded information:
1. Bodily Injury Liability Coverage: This covers medical expenses and lost wages for anyone injured in an accident in which the trucker is at fault.
2. Property Damage Liability Coverage: This covers damage to property caused by the trucker in an accident.
3. Uninsured/Underinsured Motorist Coverage: This covers the trucker’s medical expenses and lost wages if they are injured by an uninsured or underinsured driver.
4. Comprehensive Coverage: This covers damage to the truck due to theft, vandalism, or natural disasters.
5. Collision Coverage: This covers damage to the truck due to a collision with another vehicle or object.
6. Cargo Coverage: This covers damage or loss of cargo due to theft, vandalism, or an accident.
7. Bobtail Coverage: This covers the trucker’s liability for damages caused in an accident when the truck is not attached to a trailer.
8. Non-Trucking Liability Coverage: This covers the trucker’s liability for damages caused while they are using their truck for personal use.
How Straight Truck Insurance Brokers Help Truckers Save Money on Their Insurance
Working with one of our experienced insurance brokers can help truckers save money on their insurance while meeting DOT and FMCSA regulations. Our insurance brokers have access to multiple insurance companies, which allows us to shop around and get the best rates for the coverage our clients need.
Please know that our insurance brokers also have a deep understanding of the insurance industry and can help truckers navigate the complex process of obtaining the right coverage. We can explain the types of coverage and help truckers determine the amount of coverage they need.
Everyday our insurance brokers help truckers save money by bundling multiple types of coverage into one policy. This can reduce the cost of premiums and make it easier for truckers to keep track of their insurance requirements.
The Benefits of Working With one of our Straight Truck Insurance Brokers
Working our insurance brokers offers several key benefits for truckers. These include:
1. Access to multiple insurance companies: Insurance brokers have access to multiple insurance companies, which allows them to shop around and get the best rates for the coverage their clients need.
2. Expert advice: Insurance brokers have a deep understanding of the insurance industry and can help truckers navigate the complex process of obtaining the right coverage.
3. Lower premiums: Insurance brokers can help truckers save money by bundling multiple types of coverage into one policy. This can reduce the cost of premiums and make it easier for truckers to keep track of their insurance requirements.
4. Convenient service: Insurance brokers can provide convenient service, which can be particularly helpful for truckers who are always on the go and need to find insurance quickly.
Straight truck insurance is an important type of commercial truck insurance that covers straight trucks, including semi-trucks, box trucks, and flatbeds. It is important for truckers to understand the types of insurance coverage they need to protect their trucks and comply with DOT and FMCSA regulations. Working with our experienced insurance brokers is a great way to save money on insurance while meeting these requirements. The Insurance brokers have access to multiple insurance companies, can provide expert advice, and can help truckers bundle multiple types of coverage into one policy.
Commercial Auto Insurance Most Requested
Straight or Box Truck Insurance
Commercial Contractor Vehicle Insurance
Personal Auto Insurance with business use
Local, intermediate and long distance Trucking Insurance
Charter & Sightseeing Bus Insurance
Dump Truck Insurance
Tow Truck Insurance
Straight truck or box truck refers to small to middle weight truck usually under 66,000 GVW and usually under 26 feet in length. Submit for a quote and feel the difference dealing with brokers that know straight and box truck insurance.
Other Business Insurance Available:
Business Owners Property Insurance
Business Owners Casualty Insurance
General Liability Insurance
Professional Liability Insurance
Workers’ Compensation Insurance
Business Interruption Insurance
Motor Truck Cargo Insurance
Contractors Insurance (CGL) Paper GC’s
Commercial Property Insurance
Inland Marine Insurance
Expanded information of most requested coverage.
In most states, liability coverage is mandatory by state and or federal guidelines. 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 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 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. Comprehensive coverage is also subject to a deductible amount – usually the same amount you choose for Collision coverage.
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 ( where available)
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.
Our most popular straight truck insurance states are below – find the best box truck insurance in Alabama, Arkansas, Florida, Georgia, Iowa, Indiana, Kansas, Missouri, Mississippi, Nebraska, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee and Virginia. We appreciate each and every customer!
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Commercial straight truck insurance and box truck insurance services provided by direct appointment with Big Rig Insurance Brokers network of professional brokers and wholesalers.