Truck Insurance Necessities: Primary Liability Insurance

Truck Insurance Necessities: Primary Liability Insurance When it comes to purchasing commercial truck insurance, there is one type of policy that it is absolutely essential: primary liability.

Primary liability is the only type of truck insurance required by law in the United States for all commercial trucking vehicles. As such, it is normally provided by large trucking companies to cover all of their commercial fleet and extends coverage to independent drivers who haul loads under contract.

Primary liability is a very important type of truck insurance coverage and it is important to understand its basic functions as well as its limitations.

Youll probably want some other policies in addition to primary liability coverage that will vary with your employment situation.

Since truck insurance gets highly specialized and will vary greatly based on the goods you haul and whether or not youre an independent contractor, knowing about primary liability for commercial truck insurance can help you begin to craft your own unique policy.

Coverage Basics

Primary liability is a form of truck insurance that is designed to cover damages sustained in an accident to the other drivers property. This coverage is the same whether a trucking company or an independent owner/operator holds the policy.

This coverage does not cover damage to your own truck, though. If you wish to keep your truck covered (and why wouldnt you?), you will need to purchase separate insurance, such as physical damage insurance.

Primary Liability and Independent Truck Drivers

Another important note to keep in mind is that when working as an independent owner/operator for a large motor carrier, you will be covered under their primary insurance while on the job. This coverage does not extend to when the job is finished.

For this reason, you need to be sure that you have coverage at all times, but you do not necessarily have to purchase your own separate primary liability policy. Bobtail insurance can be purchased instead and will keep you covered when not covered by the companys commercial truck insurance.

Patrick Winchester is a freelance writer with commercial truck insurance expertise. Need to save on truck insurance while keeping legit coverage? Visit http://royaltytruckinsurance.com

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