It can be complicated for even experienced truck drivers to understand semi truck insurance, but after you understand the basics, you will definitely be more prepared to choose the best plan for you. Some types of semi truck insurance coverage areas include, big truck insurance, primary liability, motor truck cargo, and general liability.
Big truck insurance is good to have, because a wreck involving your truck can cause much more damage than regular vehicles.Primary liability insurance is insurance coverage required by law for any type of motor vehicle. Primary liability provides protection for other individuals who are injured or whose property has been damaged due to an accident which involved your truck.
Motor truck cargo insurance covers the actual goods, product, and cargo that you are carrying. This type of insurance is not required by law, however your customer may insist that you to have this coverage before hiring you.
General liability insurance covers accidents that may occur while you are not on the road. For example, loading and unloading your vehicle, stopping at rest stops or parking areas, theft or vandalism. Certain circumstances regarding coverage may differ between various insurance providers, so you should always do your research to be clear what exactly will be covered.
So what are you waiting for? Go research the coverage offered to trucks so you will know what kind of semi truck insurance will be best for you.