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1st Guard Corporation has a staff
of licensed insurance agents ready to respond to your questions. For quick reference
you will find answers to the most common inquiries we receive here. Please call
us at 1-800-995-4827 whenever we can help you.
What type of coverage do I need to get my tags?
Is nontrucking liability insurance the same thing as bobtail insurance?
If I’m in an accident what type of
coverage would pay to repair my truck?
My trucking company insists that
I purchase my physical damage and nontrucking liability insurance through them.
Is that proper?
My lienholder wants me to provide proof of coverage. What type of coverage is
he talking about?
Do I still need to carry physical damage insurance if I have paid off the loan
on my truck?
Can I keep my coverage if I change
trucking companies?
1st Guard® provides the fleet truck insurance program for my trucking company.
Can I call you directly if I have questions about my coverage?
I send a check each month to pay
for my physical damage insurance. How can I reduce my insurance costs?
Your physical damage rates are good
but how is your claims service?
A truck salesman suggested I package
my insurance with my truck payment. It seems very convenient. But is this a good
idea?
Are there a lot of scam artist in
the truck insurance business?
Is it true that Donna Fortuna, the
President of 1st Guard Corporation, used to star in a TV show?
 What type of coverage do I need to get my tags?
You need primary auto liability insurance. Unless you operate with your own authority,
your fleet should provide you with this type of coverage. Make sure they give you
a liability insurance ID card so you can show it to the tag office. The physical
damage and nontrucking liability insurance available through 1st Guard Corporation
will not suffice for tag purposes.
Is nontrucking liability insurance the same thing
as bobtail insurance?
Technically no, but often people use the terms interchangeably, which adds to the
confusion. As a general rule, most permanently leased owner operators carry nontrucking
liability insurance. For some reason, however, most people still refer to this coverage
as bobtail insurance. In reality true bobtail insurance is not widely available.
1st Guard Corporation sells nontrucking liability insurance. We do not provide true
bobtail insurance. If your fleet says you need bobtail insurance, ask them if nontrucking
liability will be accepted. The answer will generally be yes.
If I’m in an accident what type of coverage would
pay to repair my truck?
Physical damage insurance. Many people refer to this coverage as collision insurance.
My trucking company insists that I purchase my physical
damage and nontrucking liability insurance through them. Is that proper?
Probably not. Many trucking companies offer truck insurance programs as a savings
and convenience to their owner operators. However, this should not preclude you
from purchasing your insurance on your own if you so desire. The same holds true
with finance companies. You do no have to buy your truck insurance in conjunction
with the loan on your truck. Call us if you’re having a problem in this area.
My lienholder wants me to provide proof of coverage.
What type of coverage is he talking about? Physical damage insurance. 1st Guard
Corporation will fax or e-mail immediate verification of physical damage coverage
to all lienholders and finance companies.
Do I still need to carry physical damage insurance
if I have paid off the loan on my truck?
No, but we think you should. With the truck free and clear you do not want to risk
losing your entire investment if you damage the truck in an accident.
Can I keep my coverage if I change trucking companies?
Usually yes (a few states present problems) and often your rate won’t even change.
You must notify us, however, whenever you change companies.
1st Guard®
provides the fleet truck insurance program for my trucking company. Can I call you
directly if I have questions about my coverage?
Yes. You can always call us directly with any questions about your coverage
or premium.
I send a check each month to pay for my physical damage insurance. How can I reduce
my insurance costs?
Call us about our new automatic payment options. Most physical damage policies
qualify for an additional 15% premium reduction when you choose this payment method.
Your physical damage rates are good but how is your
claims service?
We send out a survey form every time we process a claim. The results of recent surveys
over the last year show a 98.55% overall satisfaction rating for speed, courtesy,
and fair settlements. An overwhelming 99.46% said they would recommend 1st Guard
Corporation to others based on the claims service they received!
A truck salesman suggested I package my insurance
with my truck payment. It seems very convenient. But is this a good idea?
Almost never! Likely you will pay a higher premium and additional interest charges
on top of it. Never purchase insurance in conjunction with your truck payment without
calling 1st Guard® for a quote. Often the dealership is paid a fee for packaging
insurance in with your truck loan. Usually it’s a great deal for the salesman, but
a bad deal for you.
Are there a lot of scam artist in the truck insurance business?
Unfortunately yes. You have to exercise caution. A lot of people want your
money. With insurance if a deal seems to good to be true, it probably is. You can
call us if you have any questions about your truck insurance even if you’re not
an existing customer. It’s a confusing business. We’re here to help you.
Is it true that Donna Fortuna, the President of 1st
Guard Corporation, used to star in a TV show?
You’re in the ballpark, but Donna never starred in her own show. She played Ben
Cartwright’s young niece in several early episodes of Bonanza. Unfortunately, the
producers opted to eliminate her character during an episode that featured a fierce
Indian battle. Later she made appearances on a variety of hit programs including
Land of the Giants, Julia, and Room 222. However, she’s probably most remembered
and recognized for her regular role as Jamie, the marine biologist, during the last
season of My Friend Flipper. If you recall the show’s stunning last episode, Donna’s
character worked feverishly, but alas unsuccessfully, to free Flipper from a tuna
net. She still gets a kick from the occasional rerun on "Nick at Nite", but has
long preferred the challenges of the truck insurance business to her former career
in television.
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