Commercial truck insurance is a state-regulated health insurance policy that can cover a truck driver who’s convicted of DUI. This coverage is usually limited to a driver’s first year of operation. For drivers who’ve been driving for years, a DUI conviction may make it nearly impossible to get affordable commercial truck insurance, even when they’re a safe, experienced driver.
Commercial truck insurance may not exactly be the first thing that comes to mind when you think of DUI, but the fact is that many commercial truckers are convicted of drunk driving each year. A DUI conviction on your driving record will not only prevent you from getting a commercial driver’s license (CDL), but also make it difficult for you to enroll in a commercial driving school and may also cause you to lose your commercial driving job.
Commercial Truck Insurance
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Owning a commercial vehicle can be rewarding, but it comes with some responsibilities. Commercial truck insurance often covers everything from liability to cargo, but it can be tricky to get. There are several types of commercial truck insurance coverage that you may need, depending on which type of commercial vehicle you own and its intended purpose.
Commercial trucks are the backbone of America’s economy. They move 90 percent of all cargo in the United States. Unfortunately, they are also a serious safety threat. Accidents involving commercial trucks cause thousands of injuries and dozens of fatalities each year, and can make headlines when a disaster strikes.
Types of Commercial Truck Insurance
Knowing the types of commercial truck insurance available is key to finding the best policy for your needs. Learn about common commercial truck insurance coverage types such as liability, physical damage, and cargo insurance. This type of policy is essential for most trucking companies, but can also be added onto an existing policy. With more options than ever before, finding the right commercial truck insurance for your business has never been easier.
Whenever you’re behind the wheel of a large commercial truck, it’s important to have the right amount of commercial truck insurance for your situation. While you’re driving, anything can happen, and in the event of an accident, it’s important to be prepared.
Compare commercial truck insurance quotes
Did you know that approximately 90% of commercial trucks (Class 7-8) are uninsured? That is a lot of uninsured motorists on the road. On November 1, 2017, commercial trucks will be mandated to have insurance.
Commercial truck insurance is required by federal law. The cost and amount of coverage will vary from company to company, so it’s important to compare prices. Here are some ways you can save money on your commercial truck insurance.
Commercial trucks are an important part of everyday life, so when you’re in the market for a commercial truck insurance quote, it’s important to know what to look for. A commercial truck insurance policy is similar to auto insurance in several important ways. Both policies cover bodily injury and property damage liability, medical payments, uninsured motorist bodily injury, and collision. However, commercial truck insurance also contains additional coverage options.
If you’re in the business of transporting goods or materials, you’re probably very aware of and concerned about liability and safety. From commercial truck insurance quotes to commercial truck insurance to insurance for various types of commercial trucks, commercial truck insurance is a necessary part of running a successful business.
Understand current driving laws
When it comes to commercial trucks, there are many rules that drivers and companies must follow to stay safe. These rules include hours of service, driver qualifications, vehicle maintenance, and cargo loading. However, there are also many laws that may seem like common sense, but are not followed. This article will cover the basics of commercial truck insurance, including truck driver requirements, truck insurance requirements, and when commercial trucks must carry insurance.
Understanding how commercial trucks are classified by state and federal law can be crucial both to understanding commercial truck insurance and ensuring you are adequately protected from crashes involving big rigs. The class of truck determines which regulations apply to it, along with how much coverage is required.
Contact a DUI attorney
Anyone who has ever experienced the anxiety of driving under the influence knows how terrifying it can be. In addition to the possible repercussions of a DUI, drivers may find themselves in trouble with their employers. Some employers will disqualify an employee after a DUI conviction, regardless of what their job entails. If you are an employer who feels that a DUI is too severe a conviction to disqualify an employee, you probably should think again.
If you drive for a living, you know the importance of commercial truck insurance. Not only are your vehicles vital to making the deliveries that you depend on to make a living, but you also understand how necessary it is to have the right insurance to cover any damages to your vehicles and cargo. Accidents happen, and as a professional driver, you know you need the right coverage to protect your livelihood.
In conclusion, the minimum coverage that is usually advised for driving a commercial truck that weighs over 10,000 pounds is $1 million. The $1 million coverage is required in every state except New Hampshire. However, some companies impose their own coverage limits. Usually, that would affect policy pricing. Minimum coverage is $1 million per occurrence, up to $5 million aggregate. Comprehensive coverage is 2/3 of the stated limit per occurrence, $1 million aggregate. This coverage extends to cover any loss from theft, fire, vandalism, glass breakage, explosion, smoke, windstorm, hail, flood, earthquake or collision. In addition, this coverage provides coverage for a trailer owned by the insured.
With DUIs, commercial trucking insurance is more expensive, and coverage is often denied. However, drivers license reinstatement after a prior conviction can be facilitated with commercial trucking insurance. Usually, commercial trucking insurance will provide coverage even if the driver has a prior DUI conviction.