Many industries rely on the interstate trucking to transport goods to clients. As a result, the need for truck drivers remains a critical screw in the economy. If you decide to pursue a career as a driver, you likely have a chance to profit. image of big rig overturned in an intersection

Even so, driving a truck comes with many more risks than driving a car. Truckers need considerable training and expertise. Most must also carry trucking insurance to keep themselves safe on the road. The problem is that many new truckers find challenges in getting the insurance they need.

Why New Drivers Might Have Problems Getting Insurance

Trucking insurance can protect the risks that drivers pose to themselves, their cargo, employers, clients and other drivers. In fact, by law, most truckers must carry insurance because of these risks.

Many new truckers find it difficult to find insurance, particularly at affordable rates. New drivers come with considerable operating risks. They often have higher risks of accidents. These create higher chances of filing a claim on their policies. At times, these risks signal no deals for insurance providers. Many insurers simply don’t want to cover operators who prove too risky.

Getting the Coverage You Need

Even if you find it hard to get your first commercial trucking policy, do not stop looking. Your insurance agent can help you determine the coverage and limits that best suit you. Some of these protective elements might include

  • Liability Insurance: By law, most drivers must carry liability insurance. It can help truckers compensate third parties to whom they cause harm in at-fault accidents.
  • Collision Protection: Covers you if you wreck your truck. This insurance can help you pay for vehicle repairs or replacements.
  • Comprehensive Protection: This protection is like collision insurance. It can help you pay for truck damage resulting from hazards like weather, vandalism or theft.
  • Bobtail Insurance: You might not always drive your truck attached to a trailer. When you don't, this coverage ensures your protection remains active.

You might also need cargo and unloading/loading insurance to cover the items in your care. Other coverage can extend to debris cleanup after accidents, or pay for lost income resulting from lost deliveries.

Your insurance agent can likely advise you how to structure your coverage. Ask the agent to compare the policies of their insurance partners. By doing so, they can likely help you pinpoint a policy that comes with adequate protection at the lowest costs. With the right protection, you won’t have to worry about your risks as a new driver. Go ahead, give us a call at 512-989-6006 or 844-524-4744.

 

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