Don’t Suffer the Consequences of Minimal Trucker Protection
As a trucker, you need to get from one location to your destination with the utmost care. Unfortunately, accidents can happen. Without truck insurance, you could be in deep water in the case of an accident or other mishap.
Cargo insurance covers property that you do not own, but that you haul. If you are an independent trucker, then cargo insurance is a necessity. You are liable for all damages to the cargo on the way to your destination. Fire, vandalism and theft are three major risks to your cargo while on the road.
Primary Liability Insurance
On the road, accidents can happen. Primary liability insurance can help pay for any damages or physical injuries. It is required for truckers to carry this type of policy. Additionally, if you are in an accident with another vehicle and the insurer determines that it is your fault, the insurance will cover most damages.
Physical Damage Coverage
While cargo insurance can cover cargo that belongs to another party, physical damage covers damages done to your truck. This can be due to theft or vandalism. Other damages to your truck may also be dents and scratches.
To protect yourself and your cargo, you need comprehensive insurance policies that can cover you in the event of an accident or other mishap.