Commercial Truck Insurance Liability
Commercial Truck Liability Insurance (also called Auto Liability Insurance, Semi Truck Insurance, or Commercial Auto Insurance) provides coverage for injuries or damage, caused by you, to other people or property.
If you manage a fleet of trucks or you’re a professional trucker who drives a tractor-trailer or semi, you need a special type of commercial truck insurance to protect your livelihood and your business. While it’s technically called an Auto Liability Policy, it is insurance for a commercial truck tailored with the protection and limits you need to safeguard your rig.
Who Needs Commercial Auto Liability Insurance?
In a nutshell, when a truck driver hits another vehicle on the road, the motor carrier may be responsible for paying for the damages that arise from the accident. Auto liability coverage, also known as commercial auto liability coverage, can protect motor carriers from the legal liability that comes along with the ownership and use of their commercial truck.
You need commercial auto trucking liability if you:
- Own or operate a commercial truck or company vehicle
- Provide hauling or freight services
- Transport or deliver goods
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What Does Commercial Auto Liability Insurance Cost?
Several factors influence the cost of commercial auto liability insurance:
- Business type
- Vehicle
- Cargo type
- Operating radius
- Driving history
- Coverage requirements
- USDOT authority
What Are Insurance Filings?
Insurance filings are documents that prove to federal and state government regulators that you have the adequate insurance coverage for your commercial vehicle. They show that you have insurance with at least the required minimum limits to provide protection for others involved in accidents for which you are legally responsible. You will also need to have insurance filings in place before you can apply for Department of Transportation (DOT) authority.
How Do I Get a Commercial Auto Liability Insurance Quote?
We have focused on the long-haul trucking industry for more than 85 years and understand the unique risks that truck drivers face when out on the road. We specialize in providing outstanding motor carrier and truck drivers commercial auto liability insurance from Great West Casualty Company . Let us help you with a quote.
You can request a quote online or call us at 877-294-1446 to see what we can offer with owner operator trucking insurance from Great West Casualty Company.
Frequently Asked Questions
Commercial Truck Liability insurance typically covers bodily injury and property damage to others in the operation of your truck. Joe Morten & Son, Inc. offers commercial truck liability insurance through Great West Casualty Company, a leading commercial trucking insurance provider.
Yes, liability insurance for trucks typically has specific exclusions. Common exclusions may include intentional injuries or damages caused by the insured and liabilities under workers compensation or similar laws. It's important to review the policy with your Joe Morten & Son agent for details on specific exclusions relevant to your operations.
The insurance coverages offered by Joe Morten & Son typically provide protection regardless of the state an accident occurred in. Liability claim settlements can vary by state based on the nature and facts of an accident and whether the state is a no-fault, comparative fault, or contributory negligence state.
Joe Morten & Son encourages its customers to perform proper maintenance of their vehicles, perform pre-trip inspections, and actively engage in safety and loss control programs offered by insurance providers such as Great West Casualty Company.
To file a claim, please contact Great West Casualty Company at 800.229.8040 in the United States or Canada, 24 hours a day, any day of the year.