18 Wheeler Insurance in Texas – What You Need to Know

The great state of Texas has a lot to offer, but the roadways can be dangerous. Whether you’re driving for a trucking company or you’re an independent driver, you need proper commercial truck insurance to protect your assets. The best way to make sure you have the right policy in place is to talk to an independent agent. Read on to learn more about why 18 wheeler insurance in texas is important and how to find the right policy for you.

Commercial truck insurance is a special type of auto insurance that covers large trucks and the cargo they carry. It’s regulated by both the state of Texas and federal laws. In general, the larger a truck is, the more extensive the insurance requirements are. Trucking companies that transport hazardous materials, like dynamite, may need even more comprehensive policies.

Liability coverage is one of the most basic types of commercial truck insurance. It pays for damages to the other driver caused by your truck accident. This includes medical bills, car repairs, and other expenses. It also pays for lost wages if you’re not able to work after the crash. If you’re at fault, liability coverage will cover your legal fees as well.

Physical damage coverage, or bobtail coverage, is another type of commercial truck insurance. It pays for damage to your rig and trailer, including when they are stolen or damaged by an act of God, such as a hurricane or tornado. It’s generally required by the FMCSA if you’re an owner-operator or lease a truck from a rental company.

Workers’ compensation insurance, or personal injury protection (PIP), is a type of commercial insurance that covers your medical expenses and a portion of your lost wages if you’re injured on the job. It’s mandatory for some trucking companies, but you can choose not to carry it if you want to save money.

Inland marine insurance is another type of commercial truck insurance that covers your cargo while it’s in transit. This type of insurance is usually required by the party who owns the product you’re hauling, and it may also be needed if you’re an independent contractor or for-hire driver. It’s similar to other types of auto insurance, such as collision and comprehensive coverage. You can get inland marine coverage through an independent insurance agent or through a trucking company that offers it as part of their service. However, if you’re an independent trucker or owner-operator, shopping around for the right insurer is crucial. A licensed independent agent can help you compare quotes from multiple carriers to ensure you’re getting the best value for your money. They can also help you determine what extra coverages you might need, like roadside assistance or cargo security. They can also help you find discounts that you might not be aware of. For example, you might be able to save money by buying your policy online. By comparing quotes, you can find the right trucking insurance for your needs at an affordable price.