Physical damage truck insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. It covers your rig 24/7, whether operating for personal or business use. In addition you can enhance your physical damage protection with a variety of coverage options:
Non-Trucking liability truck insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically it applies when a covered vehicle is operated solely for personal and non-economic purposes. Non-trucking liability truck insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability truck insurance provided by a trucking company.
Occupational Accident Truck Insurance provides owner operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not fall under the requirements of worker's compensation statutes.
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