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California | Contractors Auto Liability | Truck Insurance
Examples of Coverage for CA Contractors Liability | Auto | Truck Insurance:
Coverage Types:
- Primary Liability: Covers bodily injury and property damage to others if your truck is at fault in an accident. California requires a minimum liability limit, but for ready-mix cement trucks, higher limits are often recommended due to the potential for significant damage.
- Physical Damage Coverage: Protects your truck against damage from accidents, theft, vandalism, or other perils. It includes both collision and comprehensive coverage.
- Cargo Insurance: Since ready-mix trucks carry cement, this insurance covers the loss or damage to the concrete mix while in transit.
- Pollution Liability: Cement trucks have a risk of causing environmental damage, and pollution liability covers costs related to spills or contamination incidents.
- Motor Truck General Liability: Covers damages caused during loading/unloading or when the truck is parked and not moving.
Special Considerations:
- High GVWR: Ready-mix trucks often have a high Gross Vehicle Weight Rating (GVWR), which means they may require additional coverage and higher premiums.
- Driver Experience: Insurers may require drivers to have a Commercial Driver's License (CDL) with experience in handling heavy vehicles, which could influence the policy terms.
- Maintenance Records: Keeping detailed maintenance records can help lower premiums by demonstrating that your vehicles are less likely to break down or cause accidents.
More Examples of Coverage for CA Contractors Liability | Auto | Truck Insurance:
Uninsured/Underinsured Motorist Coverage
- Purpose: Provides protection when an accident is caused by another driver who is either uninsured or does not have sufficient insurance.
- Requirement: California requires this coverage to be offered, and it’s often included in commercial auto policies to protect against uninsured drivers.
Medical Payments Coverage
- Purpose: Covers medical expenses for the driver and passengers resulting from an accident, regardless of who is at fault.
- Application: Provides immediate coverage for medical costs without waiting for fault to be determined.
- Simple commercial truck insurance quote and saving time with a dedicated broker - California trucking or contractor call 844-978-7283
Trucking Insurance coverage
Bobtail Insurance
Inland Marine | Cargo
Inland Marine | Cargo
Non-Trucking Liability (Bobtail Insurance)
- Coverage: Covers the truck when it is being operated without a trailer or not under dispatch.
- Examples: Accidents while the truck is returning home after a delivery
Inland Marine | Cargo
Inland Marine | Cargo
Inland Marine | Cargo
Inland Marine and Motor Truck Cargo Insurance
- Coverage: Protects against the loss or damage of the cargo being transported.
- Examples: Theft of goods in transit, damage to cargo from an accident.
Trailer Interchange
Inland Marine | Cargo
Trailer Interchange
Trailer Interchange Insurance
- Coverage: Covers physical damage to a trailer not owned by the trucker but in their possession under a trailer interchange agreement.
- Examples: Damage to a rented trailer used to complete a delivery.
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