| Which Kind of Commercial Trucks Are Covered under | | | | against lost, stolen or damaged cargo in transit. Motor |
| Commercial Truck Insurance? | | | | truck cargo insurance can also offer protection |
| 1. There are many different types of commercial | | | | against terrorism. Trailer Interchange coverage |
| trucks, including tractor-trailers, dump trucks, tow | | | | protects the insured against losses to non-owned |
| trucks, straight trucks and pickup trucks. Commercial | | | | trailers being pulled by their insured trucks. |
| truck insurance covers all of these. This type of | | | | Non-trucking (bobtail) liability offers protection to |
| insurance can be purchased by owner-operators for | | | | owner-operators who are permanently leased to an |
| a single truck or for companies that need to insure | | | | ICC-regulated carrier. This provides coverage for |
| an entire fleet of trucks. No matter which one of | | | | trucks when not being used directly for business |
| these categories that you fall into, commercial truck | | | | purposes, such as when a truck is bobtailing and goes |
| insurance is required in order to drive a commercial | | | | to a truck wash or to a shop for repairs. There are |
| truck. | | | | lots of different types of coverage that you can get |
| Basic Provided Coverages | | | | with your commercial auto insurance. Make sure to |
| 2. Commercial truck insurance is a lot like personal | | | | always ask your insurance agent if you don't |
| automobile coverage, it provides standard protections | | | | understand any part of the coverage on your policy. |
| such as comprehensive and collision, general liability, | | | | Often different insurance companies will cover |
| uninsured/underinsured motorist protection and | | | | different things under the same type of insurance |
| medical payments. Unlike personal auto insurance you | | | | coverage. |
| usually can get commercial auto insurance by | | | | Other Insurance Services |
| providing less information than you would have to | | | | 4. Many insurers, and their agents, provide assistance |
| provide for a personal auto policy. | | | | with ICC (Interstate Operating Authority) compliance |
| Specialized Coverages for Commercial Trucks | | | | and filings. In California for example, insurance |
| 3. Commercial truck insurance usually includes | | | | companies can also do an electronic filing which is |
| specialized business-related coverages that further | | | | required by the DMV in order to issue a MCP or |
| protect you and your business auto. These | | | | motor carrier permit. This filing from the insurance |
| coverages are usually more specialized than what a | | | | company is called the MCP65 filing. ICC or MCP65 |
| standard policy provides. Motor truck cargo is one | | | | filings are usually done electronically these days and |
| type of extra coverage which affords protection | | | | can be done same day. |