What Types of Truck Insurance To Buy

The next step after purchasing a semi is getting truck insurance quotes. The road presents several risks and dangers that could cause you to lose money if something should happen to your truck. Truck insurance policies are another monthly expense for you, but insurance is your legal obligation and one of the best ways to protect your trucking business.

There are several types of coverage available for trucks, but there are two you should consider: accidental damage or loss and damage to cargo.

Coverage of Accidental Damage or Loss of the Truck

A good insurance policy will cover both accidents caused by you and accidents caused by others. Truck repairs are not cheap, but insurance can help you pay for them, and you’ll be back on the road faster.

Coverage for Cargo and Goods

Another type of insurance available is cargo coverage. This covers whatever you’re hauling. Stolen cargo, broken refrigeration, and fires can leave you owing money. With cargo coverage, you’ll have peace of mind knowing you’ll have protection from having to pay for the cargo if something happens to it. All policies may not include cargo coverage, so don’t forget to ask for it.

Truck Insurance Quotes

The right level of insurance will depend on your truck, what you haul, and your location. When you call for truck insurance quotes, the agent can help you understand what type of coverage is right for you.