Dump Truck Insurance California
A special type of insurance called Dump Truck Insurance protects trucking companies that use dump trucks to deliver dirt, sand, gravel, rock, asphalt, and other loose material used in building and other projects. Dump trucks are heavy-duty commercial vehicles, and businesses that use them face unique insurance problems because of their size and construction. There are a lot of big dump trucks that have a gross vehicle weight of more than 55,000 pounds. Mack, Sterling, Ford, Freightliner, and Peterbilt are some of the big dump trucks. There may be dump trucks that are pulled by tractors that weigh more than 80,000 pounds.
As one of the best dump truck insurance experts in the country, Coast Transport Insurance Service understands the unique insurance issues that companies that use dump trucks face. Our experts can make a policy that fits your business’s needs, whether you run a single car, are an owner-operator, or run a 40-truck dump truck fleet. There are more than 15 major commercial truck insurance companies in the U.S. that we work with, and our prices are some of the best in the business, too.
Dump trucks, on the other hand, are often designed for use on construction sites where they can’t be driven on the road. It is because of this that dump trucks are often built in a way that they can withstand or avoid accidents and overturns. Due to the fact that dump trucks are used on construction sites and in roadwork zones, they are more likely to get into back-up accidents and flip over than other commercial vehicles. As a result, it is very important to have enough liability and physical damage coverage in the event that any of these things happen.
Coast Transport Insurance Service is an independent insurance service that has been servicing the transportation sector for more than 40 years. You are not required to engage with a generic insurance firm when you may work with a dump truck insurance specialist in California. We understand the trucking business through and out and can assist you in locating the most cost-effective insurance package to meet your requirements.
We, too, are a small company and understand how critical it is to put your customers first. You’ll speak with a genuine truck insurance agent and get candid input on your truck insurance concerns. When it comes to obtaining a quotation, we recognize that weeks are not an option. That is why we attempt to respond to your request for a quotation within 24 hours, and in certain cases, the same day you contact.
Dump truck insurance filings for California truckers
In California, it is not sufficient to have just dump truck insurance; you must also be licensed. California’s Department of Transportation (Caltrans) and the Federal Motor Carrier Safety Administration (FMCSA) have severe laws and guidelines governing trucking firms (FMCSA). To drive a truck lawfully, you must have insurance that has been authorized by the FMCSA or Caltrans. It is our job to guarantee that you have enough insurance coverage in order to comply with all applicable state and federal laws and regulations.
MCP-65 filing is a certificate of insurance that must be sent to the California DMV as proof that your auto liability limit meet the minimum requirement of $750,000.
The MCP-65 filing has to come directly from the insurance company.
The BMC-91 filing is a guarantees to the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.
An MCS-90 is an endorsement that must be attached to Liability insurance and Cargo Liability insurance policies if you are required to have a federal filing. The MCS-90 endorsement guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.
Common dump truck insurance questions
How much is dump truck insurance?
Everyone who has a policy for a dump truck needs to start with auto liability coverage, which pays for both physical injuries and damage to other people and things when a truck has an accident. A policy's physical damage coverage may also cover damage to your dump truck that is caused by you or other risks like fire or theft. This coverage is called "physical damage coverage." Additional coverages, such as medical payments, motor truck cargo, truckers general liability, and downtime coverage, may be available. These are just a few of the possible options.
What kind of insurance do i need for a dump truck?
Dump truck insurance is included in commercial auto insurance. To be lawful in the majority of places, you must have a minimum of $750,000 in motor liability coverage.
Auto liability coverage, which protects against bodily harm and property damage in the event of a truck accident, should be the first part of any dump truck insurance policy. Your policy's physical damage coverage may also cover damage to your dump truck caused by you or other hazards, such as fire, theft, and other threats. To name a few of the additional coverages that may be available: medical payments; motor truck cargo; truckers general liability; and downtime;
Why is dump truck insurance so expensive?
It may be hard to get cheap California dump truck insurance because of all the damage that a typical dump truck can do. If you think about it, a typical car weighs between 1,000 and 4,000 pounds. A commercial vehicle, like a dump truck, can weigh as much as 60,000 pounds, though. To sum up, all states require trucking companies to have at least $750,000 in liability insurance in case something bad happens to them.
A minimum of $750,000 in motor liability insurance is required by all states for the worst-case scenario, which is when a trucking company has an accident.
Truck insurance coverages we can write in California
Dump truck insurance may be customized to match your individual needs. This might range from complete coverage to only liability insurance in order to get you on the road as quickly as feasible.
Truck Specific Coverages
Towing Specific Coverages
Specialty Truck Coverages
Commercial truck insurance we can write in California
It makes no difference what kind of business vehicle you have; we can insure it. These are the most common. If you’re looking for anything very specific, give us a call; we’re here to help.
We can write dump truck insurance in all cities in California
We can set up a low-cost insurance plan for your dump truck regardless of where you conduct business. Our assistance might benefit the whole state of California, including…
Your Business is your own
You might be fresh to the trucking industry or have been a Motor Carrier for 15 years. If you’re an owner operator with a lease contract, you might have a fleet of 12 cars. A long-distance trucker or even a California resident might be your source of income. This implies that the cost of a trucker’s insurance may vary significantly from one company to the next. The hardest aspect is deciding on an insurance company that offers enough coverage at a fair price. This is an area where we thrive. We can help you choose the best trucking company insurance provider.
Truck Insurance Companies in California
Did you know that in California, there are around 189 truck insurance companies with state files on truckers? The top ten insurance firms cover about 77.7 percent of all trucking businesses in California that need filings. We would be happy to assist you if you need assistance getting coverage or if you want to check into a different insurance carrier.
UNITED SPECIALTY INSURANCE COMPANY 10.9%
NORTHLAND INSURANCE COMPANY 9.6%
UNITED FINANCIAL CASUALTY COMPANY 9.5%
DB INSURANCE CO., LTD (U.S.BRANCH) 9.2%
GREAT WEST CASUALTY CO. 6.3%
QUALITAS INSURANCE COMPANY 6.1%
SECURITY NATIONAL INSURANCE CO. 4.3%
CRUSADER INSURANCE COMPANY 3.4%
AEGIS SECURITY INSURANCE COMPANY 2.8%
INDEMNITY INSURANCE CO. OF NORTH AMERICA 2.4%
Analysis performed by Coast in 11/2021 from data gathered from FMCSA.DOT.GOV. Data is to be used as informational purposes and does not constitute professional or legal advice.
Resources for California Truckers
The California Trucking Association advocates, promotes and defends California’s trucking industry.
The California Department of Transportation oversees California’s infrastructure mainly roads, underpasses and highways.
California Department of Insurance is the regulatory body that oversees the California insurance industry.
Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States. Their job is to keep our roads and highways safe.