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Comprehensive insurance coverage might be the most important truck insurance policy to consider when drafting insurance for trucks.
While technically it’s primarily trucking liability insurance coverage that’s required by law, comprehensive insurance coverage is the type of trucking insurance that actually keeps your own interests in mind.
While there are many different commercial truck insurance specializations, comprehensive coverage is almost always available as an addition to any of them in order to truly protect your own equipment and livelihood in the event of disasters.
Comprehensive Coverage for your Vehicle
Comprehensive coverage means “all encompassing” coverage so think of it as the type of trucking insurance that’s going to protect your own vehicle from just about anything.
Similar to comprehensive coverage in regular auto insurance, comprehensive truck insurance will pay out accident victims who sustain damage to their trucks, usually regardless of fault or whether or not the person at fault was uninsured.
With simple primary liability trucking insurance, damage caused to your own vehicle is not covered. Instead, that type of truck insurance pays out for damages sustained to the other driver or nearby property.
Comprehensive and Other Commercial Insurance
On top of that, commercial comprehensive insurance oftentimes covers your own truck in other circumstances that aren’t accident-related. It’s truck insurance that protects you from things like fire, theft, vandalism or other disasters as outlined in your policy.
What Comprehensive Won’t Cover
Despite being top-tier insurance for trucks, commercial comprehensive coverage does not typically pay out for damage to your trailer or any cargo that might occur as a result of an accident. Since it’s rare for many truckers to actually own the trailers or cargo being hauled, those commodities are usually outlined in separate forms of trucking insurance by either the shippers or motor carriers.
Other Policies To Consider with Commercial Comprehensive Insurance
Again, primary liability is always required by law—comprehensive truck insurance can’t exist without it. It’s also wise to consider separate policies for trailer insurance or cargo insurance if they’ll be applicable to your employment situation.
Independents may wish to carry bobtail insurance with comprehensive coverage as they may fall under their contract employer’s primary liability insurance and only need coverage for times they aren’t commissioned by a motor carrier. For more information about the full line of vehicles and coverage options we have, please visit our main commercial truck insurance page.
Talk to an agent today for more about commercial comprehensive insurance coverage or to obtain a free commercial truck insurance quote!