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Truck tractors are used in many different types of businesses. Their primary purpose is to haul or transport goods from one location to another. Construction companies use them to transport heavy equipment for example.

Regardless of why your company owns a truck tractor, you need to make sure you have it as fully protected as you possibly can. Losing it in an auto accident would create a severe financial strain on your company for example, and even paying for basic damages and repairs can be quite expensive as well. Here are the most important types of commercial auto insurance you need to carry for your company’s truck tractor:

Liability InsuranceLiability insurance is required by law so that other people do not have to pay for your mistakes. If your truck tractor driver is at fault for an auto accident, your liability insurance will pay for the other driver’s damages. It also pays for their medical bills so they’re not left to take care of it themselves. Liability insurance consists of two types of coverage:

Liability insurance benefit limits are set when you select your policy. You can choose a single limit policy that pays benefits up to one set maximum amount per accident. Alternatively you can choose a split limit policy that defines set maximum payout limits for an individual person’s bodily injuries, the combined total of bodily injuries, and property damages separately.

Medical PaymentsMedical payments insurance pays for the medical bills and care costs inflicted on your truck driver if he is injured in the accident. This coverage applies to any passengers who were riding in the vehicle at the time as well. Medical payments insurance pays the medical expenses without regard to who may have caused the accident. This insurance option is not available in all areas. Contact one of our licensed representatives to determine the availability for your company.

Physical Damage InsurancePhysical damages insurance protects you from the loss of your truck tractor. It provides coverage for a variety of things such as theft, vandalism, road debris damage, roll-over accidents, collisions with inanimate objects and more. This is important insurance coverage for any company who leases their truck tractor, or who is still paying off the finance loan. The type of coverage available falls into one of these three policy options:

Uninsured or Underinsured Motorist - In the United States all drivers are required by law to carry liability insurance coverage. This coverage pays for your medical expenses and repair costs when the other driver is at fault for an accident with your truck. Not all drivers carry insurance however, and some carry it but the coverage is not enough to pay for all of the damages that arise in an accident. You can prevent your company from having to pay for expenses out of pocket by carrying an uninsured or underinsured motorist policy on your truck tractor. When the at fault driver’s insurance is inadequate or non-existent, your coverage will pick up the costs.

Other Important Commercial Auto Insurance for TRUCK TRACTOR includes:

TANK TRACTOR 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

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