TRUCK LIABILITY 

TRUCK LIABILITY 

In order to legally operate a commercial truck, you must have primary truck liability coverage.  Every truck driver operating on the highway in the United States is required to carry some form of primary truck liability insurance.

What limits of liability should I choose?

Federal Motor Carrier requires $300,000 if under 10,000 lbs, $750,000 if over 10,000lbs and the Federal Government requires $750,000. Most shippers require $1,000,000 limit to have a contract with them.  Auto haulers, household good movers and Hazmat haulers require higher limits.

  • Bodily Injury Liability

    • Provides coverage in the event a covered vehicle causes injury or death to another person and the insured is considered at-fault for the accident.  It covers expenses related to medical costs, lost wages, sickness, death and pain and suffering for an injured third party.  It also covers legal defense costs related to claims against covered damages.

  • Property Damage Liability

    • Provides coverage in the event a covered vehicle causes damage to any property and the insured is considered at-fault for the accident. It also covers legal defense costs related to claims against covered damages.

  • Uninsured and Under-insured Motorists Insurance

    • Provides coverage for damages which an insured is legally entitled to recover from another party who is considered at-fault for an accident, but is uninsured or under-insured for the level of damages.

  • Personal Injury Protection

    • An extension of car insurance available in some states which covers medical expenses and, in some cases, lost wages and other damages.  PIP pays off regardless of who is at fault and is mandatory in some states, especially those “no-fault” laws.

  • Medical Payment Insurance

    • Provides coverage for certain medical and funeral expenses for all those occupying a covered vehicle involved in an accident regardless of who is at fault.

  • Non-Trucking Liability Insurance

    • Pays for an accident when the driver/truck is not under dispatch.  The coverage is sometimes referred to as deadhead coverage or bobtail liability.

  • Non-Owned Trailer Liability Coverage

    • Protects the trailer you are pulling for someone else.

  • Hired Auto Liability

    • Covers the liability arising from use of rented or borrowed vehicles.

  • Excess Liability

    • Provides auto liability coverage with limits over and above the primary auto policy.

  • General Liability Insurance

    • Protects the business for any property damage or bodily injury that might occur which does not involve a truck.  This includes accidents at your place of business, advertising related and/or contractual risks.

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© 2020 FOUR POINT INSURANCE AGENCY

 Serving FLORIDA, Greater Miami area, MEDLEY area 

FOUR POINTS INSURANCE AGENCY

9657 NW S River Drive

Medley, FL 33166

 

305-884-8884