| "Big Rig" insurance is essential for the independent | | | | custom paint, satellite dishes, and such. Many |
| owner/operator. In today's highly competitive | | | | insurance policies don't cover customizing equipment. |
| commercial trucking industry, an owner/operator has | | | | Make sure yours does.o Non-Trucking Liability, |
| to be a shrewd businessman, and get the best | | | | or"Bob-Tail" coverage - takes care of you when |
| insurance for the lowest premium. | | | | you're using your rig at times you're not under |
| Are you a person that loves sun-drenched | | | | dispatch.o Motor Truck Cargo Legal Liability - covers |
| afternoons cruising on mountain roads or along the | | | | your load against damage from certain causes.o |
| coastline? Can you close your eyes and see the | | | | Trailer Interchange coverage - if you have a trailer |
| highway stretch out before you all the way to the | | | | interchange agreement, you need this coverage to |
| horizon? | | | | protect you while you're in possession of a container |
| Your big rig may be your family business. Do you hit | | | | or trailer that you don't own.o A trailer interchange |
| the road with your wife as a driving team? | | | | agreement is a contract that arranges to transfer a |
| Are you a person who enjoys the freedom of being | | | | trailer from one trucker to another in order to |
| your own boss as an independent owner/operator? | | | | complete a shipment.o Refrigeration Breakdown |
| Or are you a leased operator? | | | | Endorsement - provides coverage up to a separate |
| Do you own more than just one truck? | | | | limit shown on the schedule for spoilage of perishable |
| No matter what your motivation is for owning and | | | | stock while the stock is in transit on a vehicle.o |
| operating a commercial semi truck, you will need | | | | Non-owned trailer - this is third party coverage for a |
| commercial truck insurance. But all commercial truck | | | | trailer that you are hauling owned by another entity.o |
| insurance policies are not the same. | | | | Emergency Expenses Coverage - pays for lodging or |
| Here are some features and coverages you should | | | | travel back home if your unit is damaged or |
| look for when shopping for commercial truck | | | | destroyed by a covered loss more than 50 miles |
| insurance:o Only accept an A-rated insurance | | | | from home.o Towing and Roadside Assistance - first |
| company so you'll have peace of mind knowing that | | | | dollar coverage, no out-of-pocket costs for towing, |
| your insurance company has the financial strength to | | | | flat tire changes, fuel delivery and locksmith |
| take care of you when covered losses occur.o | | | | services.o Occupational Accident Coverage - pays |
| Comprehensive Coverage - protection for | | | | your medical bills for certain covered accidents while |
| non-collision losses, such as fire, smoke, windstorm, | | | | you're working. Crucial coverage if you do not carry |
| theft, lightning, hail, animals, vandalism, even low | | | | health insurance for yourself. |
| branches and overhangs.o Replacement Cost | | | | We may need more information from you such as |
| coverage - on your personal property that is stolen, | | | | driver and equipment lists, MVR's and loss runs. |
| damaged or destroyed.o Physical Damage/Collision | | | | Commercial trucking insurers also offer a variety of |
| coverage - when your vehicle runs into something.o | | | | discounts, such as:o Multi-Unito Multi-Policyo Safety |
| Replacement Cost Coverage on the vehicle, which | | | | Courseo Prior Insuranceo Renewal discount for |
| pays to replace your vehicle with a brand new one | | | | maintaining continuous coverage |
| of like kind and quality. Most policies only pay the | | | | You will also find a wide choice of deductibles and |
| Actual Cash Value for a total loss.o Liability limits - | | | | payment plans available. Choosing higher deductibles |
| buy high liability limits, it's inexpensive coverage. Skimp | | | | will lower your premiums. Flexible payment plans will |
| on other coverages but don't skimp here. Personal | | | | help you manage your budget. |
| injury attorneys love truck accidents and get big jury | | | | By using these strategies, you'll have the best chance |
| awards.o Attached Accessories Coverage - includes | | | | at having fun cruising the roads in your "Big Rig! |
| running lights, antennas, chrome, custom wheels, | | | | |