Latorre Insurance is a licensed independent insurance brokerage serving North and South Carolina, with offices in Charlotte, Greensboro, and Raleigh.
- Charlotte | Greensboro | Raleigh
- Mon-Fri 09:00 AM - 05:00 PM
Whether you’re new to the world of trucking insurance policies, or are a seasoned driver looking to renew, we’ve compiled five frequently asked questions about trucking insurance. Keep reading to learn more!
Q) If I am new to the trucking industry, what kind of insurance coverage should I be getting for my truck?
A) Just like every truck, every company is different. In most cases, there are a few policies you’ll need to get started, which could include commercial auto liability, physical damage coverage, motor truck cargo insurance, bobtail insurance, and/or non-owned trailer coverage.
Q) What is occupational accident insurance, and how does it help me?
A) Occupational accident insurance is a policy that is designed to cover your most important asset–your driver–from accidents that occur on the job. It’s allows you to provide benefits for contractors or owner operators who are not employees.
Q) Does having a previous DUI or any records on my license prevent me from getting insurance for the truck?
A) Every case is different, and the impact a previous driving record might have will depend on your individual policy. Our agents will guide you to the best, most affordable coverage for you.
Q) How is risk assessed?
A) The risk facing commercial drivers is based on many factors, which can vary from company to company and policy to policy. Some factors might include age, driving record, credit rating, area and state of operation, and number of years of experience in trucking. Your risk assessment will ultimately depend on your policy.
Q) How are deductibles handled?
A) A deductible is the amount that you’ll have to pay out of your pocket if you are involved in an accident. Some policies offer combined deductibles, while others require that you pay for multiple damages. How deductibles will be handled will depend on the coverage you select.
The commercial insurance agents at Latorre Insurance are here to guide you to the best commercial trucking policy to meet your company’s individual needs. Contact us now to learn more!
Latorre Insurance is a licensed independent insurance brokerage serving North and South Carolina, with offices in Charlotte, Greensboro, and Raleigh.
