Truck Insurance Coverage Options for Evergreen Park, IL Truckers

Posted on by agentinsure

As a commercial truck driver, you’re the largest vehicle on the road, which means you have to take extra caution for your safety and the safety of other drivers while traveling. As a trucker in Evergreen Park, IL, here are the coverage options you need to consider.

Getting Commercial Truck Insurance

Getting commercial truck insurance can be difficult because there are a lot of factors you need to consider. We at Martin Insurance Team are here to help. All minimum trucking insurance requirements are set by the Federal Motor Carrier Safety Administration (FMCSA). The specific coverage requirements depend on the commodity and weight of the truck. The type of transportation business you work for will also be considered when determining your insurance premium.

Truck Insurance Coverage in Evergreen Park, IL

Primary Liability 

Primary liability coverage provides protection from damages and injuries to other drivers and their passengers due to a truck accident. This insurance is mandatory. Driving without primary liability insurance will result in expensive penalties and fees. Keep in mind primary liability insurance and general liability insurance are two different things.

Comprehensive Physical Damage and Collision Coverage

Comprehensive physical damage and collision coverage provides protection for your truck and trailer. This insurance offers repair and replacement coverage due to damages caused by:

  • Hail
  • Fire
  • Windstorm
  • Collision
  • Earthquake
  • Flood
  • Vandalism
  • Mischief

Motor Truck Cargo Coverage

Motor truck cargo coverage is insurance that protects you, the trucker, and your responsibilities in the event of a damaged or lost freight. This type of insurance covers losses due to damaged goods. If for whatever reason the cargo does not make it to the client, because the goods are damaged, the client is reimbursed.

General Liability Insurance

General liability insurance covers business risks that occur outside of the ruck operation. Different situations general liability insurance can cover include:

  • The delivery of goods to the wrong location 
  • Slander that results in a lawsuit
  • A client that slips and falls in the workplace

At Martin Insurance Team, we provide Evergreen Park, IL residents with a variety of insurance solutions, including auto, home, commercial, and a variety of other insurance options. We also provide transportation insurance for truckers. Contact us today to get a personalized quote.