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18 WHEELER INSURANCE
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18 WHEELER TRUCK insurance

Liability
Cargo Coverage
Physical Damage

Whether you are an independent owner-operator or your company owns a fleet of 18 Wheeler trucks, these trucks are the lifeblood of your company. Without them you cannot transport goods, fulfill contracts, and most importantly you can't earn any income.

Regardless of whether your company 18 Wheelers drive across country or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets. The truck itself may be very expensive. Imagine if you had to personally pay for repairs out of your own pocket. If that's not enough, just add in the value of the trailer and the load you're hauling and you'll agree that an auto accident can financially decimate your company. Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers. If your company operates one or more 18 wheeler trucks, here are the types of business auto insurance you need to carry:

Liability InsuranceIn the United States, liability insurance is required by law. Liability insurance is not only to protect the safety of other drivers but for an active business that operates 18 wheelers, liability insurance is mandatory in order to obtain permits and licenses. Liability insurance protects you and your company from having to pay for medical or property damage expenses that arise when you are at fault for an accident that your 18 wheeler is involved in.

Medical Payments Medical payments coverage protects the driver of your rig in addition to any passengers that may be aboard. If you are an independent or contracted truck driver and you are involved in an auto accident where the other driver was at fault, their insurance is supposed to pay for your medical bills and expenses. However, even if they have medical coverage on their insurance policy, it may not be enough to pay for the medical expenses sustained by you or your passengers that were in your truck with you at the time of the accident. Medical payments coverage pays for your medical expenses regardless of who is at fault for the accident; it is similar to a health insurance plan. However, this coverage varies from one state to another, so be sure to speak with one of our licensed representatives to determine whether it is appropriate or available by your company.

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Physical Damage InsurancePhysical damage insurance protects your company from financial losses and burdens that are caused due to damages to the 18 wheelers you own or lease. Commercial auto physical damage insurance is particularly important for companies and owner-operators who do not own their 18 wheeler rigs outright. If you financed the truck, have a lease, or have a lien of any kind, this insurance provides you with the most protection you can get.

Uninsured or Underinsured Motorist - Uninsured and underinsured motorist insurance provides you with coverage on a commercial vehicle when the other driver is at fault and does not carry adequate insurance coverage. If the at fault driver does not have liability insurance, or if they do not have enough insurance to cover the full extent of the accident damages, the uninsured motorist coverage on your commercial auto policy will pick up the entire cost or the difference.

 

Other Important Commercial Auto Insurance for 18 wheelers includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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