If you are a commercial truck driver that simply has liability insurance, then you might not be receiving all the coverage you want. A lot can happen during work which may not be addressed by your principal liability.

Though liability insurance is an excellent method to stop suits on your self from other people, it simply pays for damages to another motorists' property and injury. What about your rig? What about your body? Without the appropriate coverage in the case of an accident, you will be left high and dry. Protecting your truck with full coverage truck insurance is a smart way of protecting your future and your livelihood.

Likewise, a lot can happen when you're off the job or off the clock. Any number of damages can be inflicted on your trucks, your trailers, and even your cargo. Just because they aren't out on the highway, that doesn't mean they aren't vulnerable.

If you are looking to cover your own damages in these events, you will need to purchase some optional types of coverage. Generally, drivers want to have coverage for both their property (the rig), and themselves in the event of bodily harm. Listed below are the more common types of truck insurance that truck drivers choose to protect their property and their wallets.

Physical Damage Insurance

This covers damage to your own vehicle that may occur in an accident. This coverage is extended whether or not you are found to be at fault in the situation. You can also find physical damage coverage that will cover you when the truck is non-operational. This type of truck insurance is great for peace of mind. Physical damage insurance takes care of your truck; plain and simple. It can be your fault. It can be your dog's fault. It can be nature's fault. For whatever reason, no matter whose fault, physical damage insurance will repair or replace your property and beloved truck.

Trailer Interchange Insurance

This type of truck insurance ensures that independents and large companies alike are covered when making trailer interchange agreements with other companies or operators to save on fuel and other costs. It covers the driver or company in the event of an accident or damage to the other company or driver's goods. It's similar to cargo insurance, but with trailer interchange insurance, more than one company or driver is involved. This is a useful type of insurance for keeping good business relations between freight companies.

A Note For Independent Owner/Operators

Bobtail insurance is a type of truck insurance that covers independent drivers when they are not actively in the employ of a motor carrier. Oftentimes truck drivers are off the clock, or have completed their work, but are still driving the truck. Bobtail insurance covers truck drivers for these "in between" times once the employer's policy isn't in effect. It enables drivers to stay insured when not insured by companies without needing to buy their very own complete main liability coverage. Bobtail insurance is similar to have insurance coverage just once you require it and are not covered by somebody else.

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