Liability insurance – This mandatory insurance coverage pays for damages that you cause to other people and their property. Liability insurance coverage includes Bodily Injury Liability insurance and Property Damage Liability coverage.
Physical Damage – Can pay for repairs to your truck if it’s damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch and can include Collision insurance, or Comprehensive insurance.
Personal Injury Protection – insurance may be required by state. PIP Insurance pays for your personal medical expenses or for injuries sustained by your passengers – no matter who is at fault for the accident. States requiring PIP insurance are known as “no fault” accident states. This means that damages for injuries are paid for by a person’s own insurance regardless of who is at fault for the accident or whether or not the other person involved in the accident has commercial auto insurance coverage.
If you need help deciding which coverages are right for you, our licensed insurance representatives can help you build a customized policy to meet your private trucking needs.