Semi Truck Insurance
What Is It?
Semi truck insurance may assist in protecting California truckers against a variety of dangers, such as auto liability claims, physical damage claims to cargo claims.
Who's It For?
- For Hire Dump Trucks
- Long Haul Truckers
- Produce Haulers
- General Freight Haulers
- Amazon Freight Haulers
- Intermodal Carriers
What Is Offered?
- Auto Liability Coverage
- Physical Damage Coverage
- Unidentified Trailer Coverage
- Motor Truck Cargo Coverage
- Truckers General Liability Coverage
Semi Truck Insurance in California
What is Semi Truck Insurance?
Having the right semi truck insurance coverage is essential for any truck driver. Whether you’re just starting out in the trucking industry, or you’ve been driving for years, it’s important to understand your coverage and what it entails. We can provide you with a complete guide to semi truck insurance coverages, so that you can make an informed decision when it comes time to purchase a policy. We can help you cover the basics of what you need to know before buying semi truck insurance, as well as some more advanced tips and tricks to get the best coverage for your needs.
Who Needs a Semi Truck Insurance Policy?
If you drive a semi-truck, you need semi-truck insurance! Semi-trucks are larger and heavier than most other vehicles on the road, making them more likely to cause more damage in the event of an accident. It’s also more likely that a semi-truck driver will be sued for damages or injury due to their negligence on the road.
Semi-truck insurance provides drivers with financial protection should an accident occur. In addition, it also helps drivers in case of vehicle theft or vandalism, which is a very real concern for truckers. With semi-truck insurance, you can rest assured that you and your cargo are fully protected from potential liability, loss, and harm. Don’t let the potential risks of being a trucker go unmanaged. Get semi-truck insurance today to protect yourself, your cargo, and your reputation!
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What Coverages Do Semi Truck Insurance Policies Come With?
Semi policies offer a range of coverages, including many of the most sought-after options. Such coverages include, but are not limited to:
- Auto Liability Coverage: provides financial protection in the event you are deem at fault in an accident.
- Physical Damage Coverage: May cover damage to a truck that occurs during accidents or other incidents
- Medical Payments Coverage: May cover medical costs that arise from injuries to drivers and/or passengers
- Motor Truck Cargo Coverage: May cover cargo that’s lost or damaged while loaded onto a trailer
- Bobtail Insurance: May cover tractors without any trailers in to, regardless of whether the truck is driven for work or personal use
- Non-Trucking Liability Coverage: May cover owner-operators when driving a truck for non-work reasons
- Occupational Accident Coverage: May cover job-related injuries sustained by owner-operators
- Non-Owned Trailer Coverage: May cover damage to third-party trailers that are hitched to a tractor
What is the Average Cost of Commercial Truck Insurance in California?
How to Get the Best California Semi Truck Insurance Rates?
Finding the best semi truck insurance rates in California doesn’t have to be a hassle. With a few simple steps, you can easily secure a great deal and get back on the road!
The first step in getting the best California semi truck insurance rates is to shop around. Comparing multiple insurance providers and their coverage options can be a great way to find a policy that meets your needs at an affordable rate.
Another helpful tip is to take advantage of available discounts. Insurance companies typically offer discounts for factors such as a clean driving record, safe vehicles, and for being a member of a professional organization.
Finally, be sure to review the policy details before signing anything. Take the time to read through the fine print and make sure that you understand the policy you’re signing. If something isn’t clear, don’t hesitate to contact the insurance provider to get clarification.
By following these simple steps, you can find great California semi truck insurance rates. Be sure to take your time, shop around, and take advantage of available discounts, and you’re sure to get a great deal!
California Semi Truck Insurance Filings
Having an California semi truck insurance and being legal are two different things. You want to make sure your trucking company is following the rules and regulations of the California Department of Transportation (Caltrans) and Federal Motor Carrier Safety Administration (FMCSA). The Caltrans and FMCSA both require insurance filings and/or endorsements on your truck insurance policy. We can make sure you get the correct insurance coverages to stay in compliance with California and the federal government regulations.
BMC-91 | 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.
MCS90 | 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.
MCP65 | In California, operators of commercial vehicles are required to obtain a Motor Carrier Permit and a Carrier Identification Number. An MCP-65 filing (also referred to as a DMV65MCP) is a certificate of insurance that must be submitted to the California DMV as evidence that you have the required level of Liability insurance.
Semi Truck Insurance Coverages
We can customize a California semi truck insurance program to meet your specific requirements. This might vary from comprehensive coverage to liability-only coverage.
Semi Truck Insurance Types
We can insure almost every sort of commercial vehicle. The following are the most often seen. If you’re searching for anything in particular, give us a call; we’re happy to assist you.
We Can Write Semi Truck Insurance In All Areas
Regardless of the city in which you operate, we can assist you in putting together a competitive California semi truck insurance plan. We can assist you in any part in California , including…
States We Can Write Semi Truck Insurance
Resources for California Truckers
California Trucking Association (CTA)
The California Trucking Association advocates, promotes and defends California’s trucking industry.
California Department of Transportation (Caltrans)
The California Department of Transportation oversees California’s infrastructure mainly roads, underpasses and highways.
California Department of Insurance (CDI)
California Department of Insurance is the regulatory body that oversees the California insurance industry.
Federal Motor Carrier Safety Administration (FMCSA)
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.