Truck Insurance Introduction: Primary Liability

Truck Insurance Introduction: Primary Liability If youve been driving for any amount of time, then you know traffic accidents can happen when you least expect themespecially if youve been a truck driver, spending so much time on the road.

Auto and truck insurance are essential policies and always required to some degree by state and federal law.

In order to protect motorists from being straddled with repair costs and medical bills when involved in accidents where they were not at fault, most states require all drivers to carry basic liability insurance.

This insurance makes it certain that victims of accidents will be compensated for their damages and that those at fault do not incur the full financial burden of those costs.

Similarly, in the commercial trucking industry, primary liability exists as commercial truck insurance. It works in much the same way as traditional motor vehicle liability insurance and is the central policy in any driver or motor carriers customized truck insurance.

In most cases, motor carriers provide primary liability to all drivers and independent haulers.

Primary Liability

This type of commercial truck insurance covers the cost of bodily injury and damage sustained in a collision involving a commercial truck driver. The coverage amount depends on the individual policy and can be upwards of ,000,000.

It is important to note that while primary liability coverage will cover the cost of the of the other driver and his or her property, it will not cover the cost to repair or replace your truck if you are found at fault. It is therefore essential that you fully understand your coverage and take measures to ensure that you will not forced to compensate for your own losses.

Consider Optional Policies

Physical damage insurance is another type of commercial truck insurance you may want to consider in addition to primary liability. It ensures coverage for damage to your own equipment on and off the road.

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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