Everyone knows that you need commercial truck insurance, but individual policies can be confusing. Here are the answers to FAQs regarding commercial trucking insurance that can help you better understand your coverage.
Can I still get insurance if I have a D.U.I. on my record?
Yes, in almost every case, a person with a D.U.I. can still get insurance. Unfortunately, the price of your policy may be higher than average.
Can I insure the personal contents I carry in my truck?
Yes. A physical damage policy can be written to include personal items.
Is towing covered?
It depends. If you need a tow after an accident, then the cost is covered. If you break down for other reasons, it may not be.
Do I need a new policy if I move to a different state?
It depends on the insurance company. Some policies are transferable, so ask your agent what you need to do.
How long will an accident or other claim affect my insurance rate?
Your premium will be higher for about three years.
Insurance policies can be complicated, and it’s easy to get overwhelmed. If you still have questions, don’t hesitate to ask your insurance company. Answering client questions is part of an agent’s job.