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Trucking Insurance F.A.Q.

Trucking Insurance Information

Trucking insurance is a type of insurance that provides coverage for vehicles and cargo used in commercial transportation, including trucks, buses, and other vehicles used for hire or reward. There are several types of coverage that are typically included in transportation insurance policies, including:

  1. Auto Liability Coverage: This coverage is required by law in most states and covers damages or injuries caused by your commercial vehicle to others while driving. It includes bodily injury and property damage liability.

  2. Physical Damage Coverage: This covers damage to your commercial vehicle caused by a collision or other event, such as theft or fire.

  3. Cargo Coverage: This covers the value of the cargo being transported in the event of damage, theft, or loss during transit.

  4. General Liability Coverage: This covers accidents that occur on your business premises, such as slip-and-fall accidents or property damage caused by your employees.

In Texas, commercial truck drivers are required to have a minimum amount of liability insurance, with minimum limits of $750,000 for trucks weighing over 10,000 pounds and $300,000 for trucks weighing less than 10,000 pounds. However, it is recommended to carry higher limits of coverage to ensure adequate protection in the event of a serious accident.

Other types of coverage that may be available in Texas include physical damage coverage, cargo coverage, and general liability coverage, as mentioned above.

When selecting trucking insurance, it is important to consider your specific needs and risks as a commercial truck driver. Factors to consider include the type of cargo you transport, the distance and frequency of your trips, and the value of your truck and equipment. It is recommended to work with an experienced insurance provider who can help you identify your coverage needs and find the right policy for your business.

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