5 Essential Insurance Policies For Truck Driver

Truck drivers spend weeks on the road delivering goods to different places. That is one of the primary reasons why insurance cover is essential. While you're miles away from home, anything can happen. You might get an accident, your cargo might be compromised, or you may get hurt along the way. Truck accidents or loss of freight can incur a heavy financial burden on the driver or transportation company. That's why truck drivers need to prioritize various insurance policies. An insurance policy ensures all these problems are taken care of at no expense. Here are a few of the necessary insurance policies for every truck driver.

Primary Auto Liability

According to federal regulations, every trucker must carry primary auto liability insurance. If you are in an accident with your truck, this insurance will cover third-party damages. If you injure someone or cause damages to property, you can rely on this insurance cover.

Health insurance

When you’re on the road for months, falling sick is inevitable. But spending thousands of dollars in an out-of-state hospital can be overwhelming. Therefore, you need health insurance that will cover all your medical needs. Truck driver health insurance is available in most transport companies. However, always ask before signing the employment contract. If you're a self-employed trucker, you can seek guidance from a professional on different truck driver health insurance. Rolling Strong is an excellent choice for drivers seeking insurance advice.

Cargo Insurance 

The purpose of your journey is to deliver cargo. It is common for drivers to lose load or incur damages because of an accident. You might end up in a financial crisis trying to replace the goods or engaging in court battles. Therefore, you must find insurance for the contents of your cargo. Cargo insurance covers the expense in case of cargo damage or loss. 

However, insurance companies can cancel reimbursements if the truck was unattended or if the cargo lost goes beyond the set limit. It is vital to go through your cargo insurance policy to avoid disappointment.

Physical damage

This insurance cover focuses on the truck. It protects in the event of damages caused by vandalism, natural disasters, accidents, or theft. 

The insurance will cover all the repair expenses, including the replacement of damaged parts. However, if the truck is beyond repair, the cover can replace it with a new one. Depending on your premiums, you can either receive full payment or partial payment.

Bobtail

Bobtail insurance cover is also referred to as non-trucking liability insurance, covers damages that occur when the driver is off duty. For example, if you use the truck on our off days or run a personal errand, an accident may happen. Bobtail insurance covers accidents that occur within this period and accidents that don't qualify for the primary auto liability insurance. Remember, if you use the truck to make extra income, the insurance company can cancel your bobtail cover.

Transporting cargo for an extended period is overwhelming. Finding an appropriate insurance cover gives you comfort and maintains your financial status. Use a reliable agency like Rolling Strong to find more information on trucker insurance covers and wellness programs. Stay safe!