Commercial Truck Insurance can be very similar to a personal auto policy ConXis Insurance Services Looks to custom tailor your policy to give you what you need at the best price out there. Being an independent agent allows us to find the best solution for you. Here are some of the coverage options available for Texas Trucking insurance.
Liability coverage protects you and your drivers in the event you should get into an accident. Within the liability limit your policy will have bodily injury limits which will cover medical expenses as well as property damage limits which covers the damage to the injured party’s property. If you are required to go to court for the accident your legal defense will be paid under the liability portion of the policy.
Physical Damage will cover damage to your vehicle as a result of the accident. It is broken down into two primary categories
Collision – Damage as a result of a collision.
Comprehensive – This covers you for miscellaneous items such as theft, vandalism, and other items.
Uninsured/ Underinsured Motorist
One Coverage that is often overlooked is uninsured motorist and underinsured motorist coverage. Many people operate under the premise that it is the law to carry Commercial Truck insurance in Texas so I don’t need it. The problem is that many people don’t carry insurance (uninsured) or they carry the bare minimum and don’t have enough to cover the damage (underinsured). These coverages fill that gap it pays for your injuries and damage to your property caused by another motorist who is uninsured or underinsured.