Connecticut High Risk Truck Insurance New Ventures Truck Insurance

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut High Risk Truck Insurance New Authority Truck Insurance

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut New Authority Commercial Truck Insurance Quote

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut Best New Authority Commercial Truck Insurance

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut New Authority Commercial Truck Insurance Cost

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut Best New Authority Truck Insurance

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut New Authority Truck Insurance Cost

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut New Authority Truck Insurance Quote

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut Commercial Truck Insurance for New Company

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

FL – GA – NC – SC – OH – MI – PA – TX – AZ – IL – IA – KS –  MD –  NJ – TN – VA – WI – IN – UT – CO – KY – CA – NV – MO – LA – MS – AL –  Fleetsts – tsc – blogTop ratedrequirements

Connecticut New Venture Trucking Insurance

Connecticut High Risk Truck Insurance New Ventures Truck Insurance

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

JDW Truck Insurance offer commercail truck insurance in Connecticut

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