Coverage that protects against financial loss because of legal liability for motor vehicle related injuries (bodily injury and medical payments) or damage to the property of others caused by accidents arising out of ownership, maintenance or use of a motor vehicle (including recreational vehicles such as motor homes). Commercial is defined as all motor vehicle policies that include vehicles that are used primarily in connection with business, commercial establishments, activity, employment, or activities carried on for gain or profit. No Fault is defined by the state concerned.
Provides liability insurance for truckers who carry the cargo of others and is used in the event that the cargo is destroyed, damaged, stolen, or otherwise declared a loss while in the process of being shipped.
Trailer Interchange is a physical damage insurance on trailers that a truck is pulling, or is under the control of that trucking company, and that is not owned or leased for the restricted use of the trucking company. The coverage does apply as comprehensive (fire, theft, etc.) and collision overturn and colliding with an object to a trailer pulled by a trucking company under an agreement (ie, non owned trailer.)
Motor vehicle insurance coverage (including collision, vandalism, fire and theft) that insures against material damage to the insured's vehicle. Commercial is defined as all motor vehicle policies that include vehicles that are used in connection with business, commercial establishments, activity, employment, or activities carried on for gain or profit.
Insurance policy that covers claims arising from an insured's liability due to damage or injury (caused by negligence or acts of omission) during performance of his or her duties or business.
If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.
Liability coverage of an insured above a specific amount set forth in a basic policy issued by the primary insurer; or a self insurer for losses over a stated amount; or an insured or self insurer for known or unknown gaps in basic coverages or self insured retentions.
Non-Trucking Liability is insurance coverage for when you use your truck for non-business purposes. NTL offers you liability coverage for property damage or bodily injury to a third party. Any personal use between your return and next dispatch points will be covered under NTL. NTL is in most cases, required by the motor carrier with whom the owner/operator has signed a lease agreement. This insurance fills a potential gap for non-business use of the equipment, and helps to protect the motor carriers primary liability policy. Non-trucking is not the same as bobtail insurance, so please verify with your motor carrier which coverage they require ; in almost all cases, the requirement will be NTL.