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There are hundreds of insurance firms and brokers who are willing to help you get the best deal on your truck insurance quotes and truck insurance is easy to access with the internet. Commercial auto and truck insurance is a necessity these days and if you operate commercial vehicles as part of your business, truck insurance is just a few mouse clicks away.

Specifying each party's rights and obligations, truck insurance is a contract between the owner and the insurer. Truck insurance is a specialized field and you will need to insure at a company that understands the specific industry and will be in the position to provide you with sound advice to help you make an informed decision. The type of truck you are trying to insure will determine the type of commercial truck insurance is right for you.

Commercial truck insurance or truck cargo insurance is about your business and its ability to make sure that the product is delivered on time and fully intact not just about insuring the vehicles or even just about the cargo.

Truck Insurance will protect you against the most common risks to a trucking business, such as: third party and other liability, employee injury, vehicle damage, lost business from interruption and theft.

Understanding the difference between primary liability and non-trucking liability, which is sometimes referred to as Bobtail Liability is one of the most important aspects of truck insurance.

Federal law requires all truck drivers to carry commercial truck liability insurance. Commercial auto liability provides insurance and defense for you if you cause damage to the property of others or you injure others with your vehicle. If the driver is working for a carrier or fleet of trucks, the primary liability of the company will cover the truck, in most cases.

Non-trucking liability covers damages or accidents resulting when the primary liability is not in effect. The purpose of non-trucking liability is to protect the owner-operator when he or she is not covered by the carrier's insurance. So, losses that occur when the driver is not dispatched is covered by non-trucking liability while Bobtail Liability covers damages that occur when a trailer is not attached to the truck, regardless of whether or not the driver is dispatched.

The actual truck insurance quote is done very differently from that of regular vehicle insurance as there are many factors related to the risk assessment of the policy, when it comes to commercial truck insurance. For starters your Commercial Truck Insurance policy is not just insuring a single driver but rather the entire fleet is taken into consideration. The risk factors include things like the drivers ages as well as their experience their employment history & even the accident history of the business as a whole.

24-hour claim service, 24-hour customer service personnel and internet-based service features such as online billing inquiries or online policy changes are some service enhancements to look for in your quote.

For the modern trucker having proper truck insurance is a need that cannot go unaddressed. If you operate under your own authority (not leased to a motor carrier) Primary Commercial Auto Liability Truck Insurance is required to register your truck and obtain tags.