Trucking insurance, just like any other insurance, includes a multitude of types of coverage. The choices might be numerous when you consider deductibles and other factors. But, there are really just four main types of trucking insurance.
· Liability: Liability insurance is required if you are a trucker. This insurance pays for any damage you cause with your truck. If you are in an accident, odds are you will cause damage to another vehicle, building etc. This insurance can pay for the other person's damages.
· Bobtail: Bobtail insurance is also known as deadhead or non-trucking liability. This insurance is not mandatory, but strongly suggested. Bobtail insurance can cover damage to your truck, including theft, when it is being serviced.
· Cargo: Some shipping companies will require you to have cargo insurance. Even if they don't, what would you do if your cargo was damaged or stolen? If you have cargo insurance, it could be covered. If you don't, you will be responsible for it. You can't be with your cargo all the time, so insure it for your peace of mind.
· Physical Damage: Liability insurance covers someone else if there is damage. But if there is damage to your truck, physical damage insurance covers your truck. If you are in an accident, you want your truck covered. This insurance can also cover you in case your truck is stolen or if there is flood damage.
Are you adequately covered? Call your independent insurance agent today to learn about all of your coverage options.
Protect your big rig. Call Heritage Insurance at (306) 693-7640 for more information on Moose Jaw trucking insurance.