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A straight truck is a valuable asset to any business that needs to transport things. Whether you provide commercial moving services, sell retail furniture or transport goods and supplies for other companies, you rely on your truck to get the jobs done.

If your truck is in an auto accident, can you afford to pay for the repairs it may need? Will you be able to continue with your day-to-day business operations while it is down? Commercial auto insurance is designed to protect your company from financial hardships that arise when your trucks get damaged. A variety of different types of coverage options are available so that you can protect the truck from other hazards caused by the weather, hit and run drivers, and unexpected events. Here are the basic types of insurance you should carry on your company’s straight trucks:

Liability InsuranceLiability insurance protects you from having to pay for repairs and medical bills when your truck is involved in an auto accident. Liability specifically protects you when the driver of your straight truck is at fault for the accident. If your truck is caught in bumper-to-bumper traffic for example, and accidentally collides with the back of another car, your liability insurance will cover the cost of damages to that car. Liability covers injuries to people as well as property damages, up to amounts you specify in your insurance policy.

Medical Payments Medical payments insurance is not available in all areas, but it quite useful for commercial insurance policies. This insurance pays for the medical expenses of your straight truck driver and any passengers in the truck at the time of the accident. Benefits are paid regardless of who is at fault for an accident. Contact one of our licensed representatives to see if medical payments insurance is available and appropriate for your company.

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Physical Damage InsurancePhysical damages insurance is a very important commercial insurance option because it protects your straight truck from damage and destruction. This is highly recommended for all companies who are still paying off a truck loan, or who lease trucks for their business because it provides the maximum amount of protection from loss.

Uninsured or Underinsured Motorist - If your straight truck is involved in an auto accident where the other driver is at fault, they are legally liable for the damages. Unfortunately, not all drivers carry basic liability insurance on their vehicles. Some drivers do carry insurance but it is minimal and cannot cover all of the repairs and associated bills that arise from the accident. An uninsured and underinsured motorist policy can protect your company from having to pay the bills when situations like this arise. It works similar to your basic liability policy but provides protection for your straight truck and the people inside.

Other Important Commercial Auto Insurance for STRAIGHT TRUCK:

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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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