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If you’re a truck driver in Evergreen Park, IL, you know an effective insurance plan is essential. But with all the different types of coverage available, it can be overwhelming to figure out which type of policy is best for you. Here the Martin Insurance Team provides an overview of the different types of insurance that truckers need to consider.
Commercial Vehicle Insurance
Commercial vehicle insurance is designed to protect truck drivers from losses caused by damage to their vehicles while they are on the road. This type of coverage typically includes property damage and liability protection, and most truck drivers are required to have at least a minimum level of commercial vehicle insurance to operate legally.
Cargo Liability Insurance
Cargo liability insurance helps protect against financial losses if goods or materials are damaged or destroyed while in transit. This type of coverage is especially important for those transporting valuable items such as electronics, jewelry, or antiques. It also covers any legal costs should a claim be made against the driver or company due to cargo damage.
Non-Trucking Liability Insurance
Non-trucking liability insurance provides coverage when a truck driver is not directly engaged in carrying goods or services for their business but still needs protection from potential liabilities arising from accidents or other unexpected events. This policy covers incidents such as vandalism, theft, fire, and personal injury claims related to non-business activities like driving home after work.
Having adequate insurance coverage is essential for any truck driver in Evergreen Park, IL who wants peace of mind while on the road. Contact the Martin Insurance Team for more details.
