Commercial truck insurance can be pricey. But, if you have your commercial driver’s license, or CDL, you can qualify for discounted insurance. If you have a CDL, you’re considered a professional driver, and your lack of experience makes you more prone to accident. Commercial truck insurance will cover the costs of any accidents, but you can get a price break if you qualify. You’ll also have more options for coverage, like cargo insurance if you run your own business.
Commercial truck insurance is a tricky business. You need commercial truck insurance to get your commercial vehicle on the road and keep the business running, but you don’t want to pay too much. And commercial truck insurance won’t cover your personal car insurance, so if you have one your rates will increase. So, how do you get the best commercial truck insurance with DUI?
DUI and truck insurance
A DUI conviction can have serious consequences, both on your personal and your professional lives. Many employers run background checks on potential hires. A simple phone call from the DMV can raise a flag, potentially preventing you from getting a job or advancing in your career. Because DUI convictions stay on a person’s driving record, insurance companies may refuse to write you a policy, or increase the cost of your existing policy.
Driving while under the influence of drugs or alcohol is illegal in every state. The penalties you face for a DUI can range from a simple fine to jail time. And depending on state laws, you could also be ordered to install an ignition interlock device in your vehicle. Those laws vary from state to state, though, and sometimes your DUI conviction and resulting penalties will depend on whether or not you have commercial truck insurance.
Factors affecting your commercial truck insurance rates
Commercial trucks are more than just a means of transportation. They are vital to our economy and responsible for transporting most of our goods. Unfortunately, they also contribute to congestion, air pollution, noise, and accidents. According to the federal government, there are more than half a million commercial trucks on our roads, and over 70% of them are due to human error.
Commercial truck insurance can be expensive, but there are ways to save on the costs of insuring your business vehicles. Many factors go into determining your insurance premiums, including your driving record, the type of truck you drive, and where you park it. Here’s how these factors affect the cost of insuring your trucks.
Types of commercial truck insurance
Commercial truck insurance is coverage that’s purchased by businesses, municipalities, or other entities who operate commercial vehicles (aka big rigs). This type of insurance is purchased to help protect the vehicle and against liability, which may result from a collision. Commercial truck insurance is usually divided into five broad categories: liability, physical damage, cargo insurance, uninsured/underinsured motorist coverage, and workers’ compensation insurance.
All types of commercial trucks come with their own risks. These risks can range from driving on dirt roads, to getting hit by wildlife, to having poor visibility in the fog. Even trucks that are well maintained can experience accidents that can cause thousands of dollars in damage. So, what kind of commercial truck insurance should you get?
Additional coverages
If you use your business vehicle for work, then you likely need commercial truck insurance coverage. But what’s the difference between commercial truck insurance and general business auto insurance? Commercial truck insurance is specifically tailored to provide commercial vehicle coverage. General business auto insurance typically does not cover commercial vehicles, and may also not cover certain vehicles, like custom and modified cars.
Commercial truck insurance is required by law throughout the United States. This insurance is purchased and regulated by the states, and all commercial truckers must either possess a commercial driver’s license (CDL) or a commercial registration that allows them to drive commercial vehicles such as large trucks.
Commercial truck insurance protects vehicles, cargo and drivers
Commercial truck insurance protects you, your cargo and your driver. Protect yourself, your cargo and your driver. Commercial truck insurance can protect you in many ways. First, it can protect your vehicle and cargo. There are a variety of different coverages, like Collision Coverage, Comprehensive Coverage, and Bodily Injury Coverage. Collision coverage will protect your vehicle if it is involved in an accident. Comprehensive coverage will protect it if it is damaged from something non-accident related, like fire, theft or vandalism. Bodily Injury Coverage covers injuries and medical expenses that are caused, or made worse by, an accident.
Commercial truck insurance is designed to protect vehicles, cargo, and drivers. Commercial trucks are big, heavy, and very loud. Even when the trucks are traveling at highway speeds, they make a great deal of noise. The noise can cause damage to other motorists who may not be paying attention.
In conclusion, the good news is that commercial truck drivers are 27 times more likely to get a DUI than a person traveling on public roads. The bad news is there’s a 1 in 33 chance that a commercial truck driver with a suspended license will get another one.
If you are tired of paying exorbitantly high premiums for your commercial truck insurance because you have a DUI, then it is time to look at other providers. In this day and age, everyone has been in the situation of hitting a DUI, and their rates are driven up. So how can you get a lower rate? By contacting a company that understands your situation.
