What is truck insurance?

Truck insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Truck insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your truck.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An truck insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a truck, your lender may also have requirements.

Most truck policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Why do you need truck insurance?

It’s really all about protecting yourself financially.

  • If you’re in an accident or your truck is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your truck is responsible for damage or injury to others, you may be sued for much more than you’re worth.

What Truck do I have?

Commercial vehicle insurance for Semis, tractor trailers & full fleets.

Specialized vehicle coverage for tow trucks, garages & towing companies.

Coverage optimized for big trucks, construction vehicles and oversized loads.