Having big truck insurance is a way to protect drivers when they are in an accident and to protect the driver who is at fault. When you start the process of purchasing truck insurance, it is important to know what your legal requirements are. Trucking insurance is mandatory in all 50 states and not having proper coverage could cost you expensive fines. You will need to at least have minimum liability coverage in order to stay legal on the road. Liability truck insurance covers the injuries and damages that may occur to the other driver and their vehicle in the event of an accident.
There are other forms of big truck insurance you may want to consider such as general liability. This type of insurance covers your semi-truck when you are not on the road. This could mean accidents or damages that occur when you are unloading or loading your truck or even accidents that may occur in a parking lot or rest stop. It also covers risks like vandalism and theft.
Talk to your insurance company about the types of big truck insurance that would be best for you and your truck along with any additional coverage that may give you extra protection. Just remember that you will need at least some coverage or you may face steep fines and could even lose your trucking license if you do not have proof of proper coverage.