California Commercial Truck Insurance

Independent insurance agency serving the commercial truck insurance needs of Stockton, Lathrop, Manteca, Lodi, and all of California since 2003.

Commercial truck insurance can cover a combination of trucks and drivers.

It provides for bodily injury liability and property damage while operating a company automobile, medical payments, or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damages to someone else are also covered.

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About Commercial Truck Insurance

The types of coverage you’ll need will depend on whether you’re an owner operator, motor carrier, or private carrier.

Owner Operator Insurance

Owner operator insurance is for drivers who work under permanent lease to a motor carrier or who work under their own authority.

If you work under permanent lease, your insurance needs will be determined by your lease agreement. Typically, a motor carrier will provide liability insurance to cover injuries or damages to other people or property if you are at fault for an accident while under dispatch.

As an owner operator under permanent lease, you may need to purchase your own non-trucking liability insurance, physical damage coverage, and motor truck cargo insurance.

If you work under you own authority, you will be responsible for purchasing your own liability insurance in addition to the coverage options listed above.

Motor Carrier Insurance

Motor carrier insurance is coverage for companies that employ commercial truck drivers.

As a motor carrier, you are required by law to purchase liability insurance for your drivers. Liability insurance coverage includes bodily injury insurance and property damage coverage.

To ensure you have the best coverage for your drivers and trucks, you may want to consider purchasing some of the optional motor carrier insurance coverages, including:

• Physical damage coverage
• Medical payments insurance
• Uninsured motorist coverage
• Motor truck cargo insurance

Private Carrier Insurance

If you haul goods in your own truck for your company or an employer, you will most likely need private carrier insurance.

There are several different types of private trucking insurance available, including:

• Liability insurance
• Physical damage coverage
• Medical payments insurance

Every situation is unique – talk to Raj Insurance Serices today to find out how to get the best service, price, and value on commercial truck insurance in California. Contact us today!