Need Help?
888 900 0205
Customized commercial truck insurance by industry
get quote

18 Wheeler Insurance

Owning your own 18 Wheeler Truck may be a lifelong dream come true. As an independent truck driver you have the option of being on the road as often as you’d like. Your truck may even be your secondary home when business is good.

Some companies own one or more 18 Wheeler trucks and hire drivers to pick up and deliver goods or truck trailers locally and around the country. Whether you are an independent trucker with an 18 Wheeler or you are a company who owns a small fleet of trucks, the type of insurance you carry can make or break your business. Without proper truck insurance, your company can face severe financial hardships when accidents happen. To protect your trucks and company as fully as possible, here are the types of 18 wheeler insurance you should carry:

Cargo Coverage
Physical Damage

Liability InsuranceLiability insurance is required by law in most states of the nation. In fact, you may not be able to get the appropriate truck permits and licenses without proof that you carry liability insurance on your 18 wheeler. This coverage is designed to protect other drivers from suffering financial losses when you or your truck is at fault in an auto accident. If your truck causes an auto accident, your liability insurance will pay for injuries and damages inflicted on the accident victims.

Medical Payments Medical payments is truck insurance that focuses on paying the medical bills and associated expenses of your driver and his passengers. This coverage pays the bills no matter who is at fault for the accident that caused the injuries. It isn’t available in all areas however. Contact one of our licensed representatives and we’ll help you determine if medical payments coverage is available for your 18 wheeler insurance policy.

semi truck insurance
18wheeler insurance

Physical Damage InsurancePhysical damages insurance protects your truck itself. It goes beyond general business auto accident insurance coverage however, and provides protection for a number of other potential risks, hazards and perils that you might encounter as a truck owner. This is the highest level of protection you can have for your 18 wheeler, and as such it is particularly useful for companies and drivers that are still making payments. Whether you lease the your business truck or you’re still paying off the original auto loan, physical damages insurance can keep you from losing it and still having to pay off the balance.

Uninsured or Underinsured Motorist - This business auto insurance prevents you from having to pay the medical or repair bills for your driver and truck if another motorist is at fault for an accident. When the other driver does not have liability insurance, he is uninsured and he may have no personal funds to pay for the damages he caused. If the driver carries insurance, it may fall short of being able to cover all of the damages. This is referred to as an underinsured motorist. You can protect yourself from these potential losses by carrying an uninsured or underinsured motorist policy. This coverage will pay for injuries and damages inflicted on you and your property when the other driver is not capable of paying.

Other Commercial Auto Coverage you may want to consider includes:

BIG RIG Insurance Quote

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

Autos We Insure

Taxi Non Medical Transport 18 Wheeler Trucks Tow Trucks Pick Up Trucks Shuttle Dump Trucks Garbage Trucks Business Vans Box Trucks Straight Trucks Bucket Trucks Cabover Trucks Cargo Vans Flatbed Trucks Refrigerated Trucks Crane Trucks Catering Trucks Ice Cream Trucks Agricultural Trucks Buses Car Carriers (Haulers) Cement Mixers Delivery Vans Hearse Pump Trucks Tank Truck Truck Tractor Wheelchair Bus Ambulance Limousine Wheelchair Vans Taxi Cabs Medical Transportation Semi Trucks Vans Small Business Autos Commercial Fleet Electrician's Auto Plumber's Auto General Contractor's Auto Carpenter's Auto Landscaper's Auto Pool Cleaner's Auto Recycling Center Autos Drywall Installer Autos Garage Door Installer Autos Janitor Autos Painting Contractor Autos Cabinet Maker Autos Roofer Autos Delivery Service Autos Carpet Installer Autos Driving School Autos Carpet Cleaner Autos Tree Trimmer Autos