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Low Cost Truck Insurance
Driving a semi-truck requires that the truck driver have a commercial driver license in order to operate these large vehicles. One you have your CDL you can start looking for truck driving jobs through different carriers needing drivers. When you first start out, you will most likely be working for company which will provide you with a semi-truck and trailer. The carrier may require that you lease the semi-truck from them, and maintain truck insurance. You can find low cost truck insurance but first need to understand what type of insurance coverage you will need. Often times, most trucking companies will have primary trucking liability insurance on all of their semi-trucks and trailers. This type of insurance only protects the semi-truck and trailer when it is in use while you are working. When you are off duty and use the semi-truck or should something happen while the truck is parked and off duty, then this insurance may not provide protection for you and may or may not cover damages to the truck. After being hired by a carrier, you need to find out what is covered under the primary trucking liability insurance as well as the coverage limits. In order to protect yourself, you may want to look into low cost truck insurance and get your own policy. There are low cost truck insurance policies which you can purchase which will protect yourself, in case of an accident while off duty or driving the truck without a trailer connected. The first type of coverage is called bobtail liability insurance and this type of policy provides protection when the semi-truck is not connected to the trailer. In most cases the coverage will be in effect regardless of whether you are working or off duty. However, in recent years, this type of coverage is becoming harder to find, as changes to other types of insurance coverage is including this type of liability. The other type of low cost truck insurance policy truck drivers can purchase is called non-trucking liability. This type of liability coverage provides protection for the driver when he is not working and in situations where the primary trucking liability insurance does not apply. Depending upon the carrier that hires you, they may ask that you have either non-trucking liability or bobtail liability insurance. Since bobtail liability insurance is becoming harder to find, most carriers are allows non-trucking liability insurance as an acceptable coverage. Another type of low cost truck insurance which provides protection is called umbrella liability insurance. This type of policy is not expensive and kicks in when the liability under the other truck insurance policies is exhausted. In this day and age when people sue over the smallest injuries, carrying this type of insurance is a good idea to protect yourself and limit your liability. You can find out more about these insurance coverage options from USA Insurance Brokers, LLC, by calling 724-274-6364. This insurance company has been providing insurance since 1942 and even has insurance plans available for high risk truck drivers. |
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