Auto liability insurance
Auto liability insurance primary purpose is to protect the public from injury or property damage resulting from an accident where the insured is deemed at fault. Depending on what state you live in and how heavy your vehicle is, is what determines what the minimum auto liability insurance you will need.
Who needs auto liability insurance?
If you plan on driving a motor vehicle, you will need to have auto liability insurance. The level of coverage you will need depends on your state's financial responsibility level. The level of insurance needed generally depends on the weight of your vehicle.
Most states require semi trucks to have their auto liability limit at a minimum of $750,000CSL. Keep in mind, what is required by the state and what your broker requires are usually at two different levels. Most brokers require truckers to carry an auto liability limit of $1,000,000CSL, but we have seen coverage up to $5,000,000.
What does auto liability insurance cover?
Auto liability insurance is made up of two coverages. Bodily injury liability coverage and property damage liability coverage. The bodily injury liability coverage would be used to cover the other party's medical bills to make them whole again or close to it. While the property damage liability coverage would be used to fix or replace their personal effects such as their car bumper, whole car, brick wall, etc.
How much does auto liability insurance cost?
There are a lot of factors that go in to the auto liability rate of a semi truck. For example, the weight of the vehicle, type of vehicle, radius of the vehicle, age of the driver, and garaging address to name a few.
Other common Insurance coverages
We can tailor a truck insurance package to your needs, anything from liability only to get you on the road, to full coverage.
Liability Coverages
Vehicle Coverages
Truck Specific Coverages
Driver Coverages
Towing Specific Coverages
Specialty Truck Coverages
Auto liability insurance we can write for commercial trucks
We can insure almost any type of commercial truck out there. Below are the most common we see.
States where we can write Auto liability insurance
We can help you put a competitive auto liability insurance package together for you.