Once money is received at our office we send a request bind your policy and to the DMV to issue the filings. Given the State we are requesting the filings the DMV should receive the filing in 24 – 48 hours.

Proof of insurance can be provided to an employer in the form of a certificate of insurance. Our office will need the name and address phone or fax of the person or company where the certificate needs to be sent.

Once your policy is bound you will be given access to your policy and process your own certificates 24/7

Like many auto Insurance policies, Commercial Truck insurance comes with several types of coverage, each of with is specifically designed to protect your business and personal assets. The coverage you need may include Commercial Truck Liability insurance, Physical Damage, Uninsured/underinsured motorist & Cargo Coverage.

For Commercial Trucking and Transportation the following coverage is most common.

$750,000: Commercial Auto Liability
$1000 deductible: Physical Damage
$100,000: Motor Truck Cargo
$1000: Non-Owned Trailer coverage

Several factors effect a replacement of vehicles. Based on the value and type of unit there may be a credit or debit created by replacing a vehicle.

You can cancel your policy at any time. You may go online or have a written request to cancel your Commercial Insurance policy and fax to us. You are, however, expected to pay all premiums that have accrued to your account.

Approximately 3 years.

Yes. We make it every effort to build the proper policy for just about any Driver. We understand that these are unlucky circumstances and every one should have a chance.

Even though you have parked the truck/tractor/dump truck etc., we may still be responsible for any claim that may arise from the operation of that equipment. Until the truck/tractor is either listed as non-operational with the DMV or is sold or totaled in an accident, we may continue to charge an insurance premium.

Yes. We make it every effort to build the proper policy for just about any Driver. We understand that these are unlucky circumstances and every one should have a chance.

Even though you have parked the truck/tractor/dump truck etc., we may still be responsible for any claim that may arise from the operation of that equipment. Until the truck/tractor is either listed as non-operational with the DMV or is sold or totaled in an accident, we may continue to charge an insurance premium.

ASAP – Truck/Tractor and/or Drivers may not be covered unless we are properly notified.

Call us @ 866-759-8666 or email us @ [email protected]

FMCSA MC Authority with a DOT number. Truck registration requires IRP, Unified Carrier Registration (UCR) and IFTA. Depending upon which states you operate in, there may be individual state permits needed also.

We accept many forms of payment by personal check, Visa/MasterCard and Western Union and any other method you might propose that we can accommodate.

The insurance requirements will depend on each state your are residing and the type of operation you are engaged in. Contact your local Department of Motor Vehicles and/or the FMCSA for more specific information.

During regular business hours, we can have certificates issued immediately upon request. Or you may also access your account 24/7 to print certificates of insurance.

Our office can provide proof of insurance or vehicle ID cards via fax, mail or access your account 24/7 and print them online.

If you want to purchase Commercial insurance coverage after a quote has been provided, you need to contact our office to discuss details of payment and sign documents.

There are many variables that affect the cost of your Commercial insurance. It is best to contact our office and provide the needed information for the most comprehensive and competitive insurance product available.

Most insurance Co. will pay the Actual Cash Value of your vehicle at the time of loss up to the stated amount on your policy, less your deductible.

When a frame breaks, floor buckles or engine fails, it is considered mechanical breakdown or metal fatigue. You may want to consult your manufactures’ warranty material to determine if coverage can be provided.

ACV means “Actual Cash Value”. The actual cash value of equipment is what the same type of equipment would cost in “today’s” market.

MC Number: Motor Carrier Number, you need this if you want to haul interstate across state lines. It costs $300 if you file it yourself with the Federal Highway Administration (FHWA), previously called Interstate Commerce Commission (ICC)

Liability Insurance: A minimum of $750,000 limit is required, but it’s a better to purchase $1,000,000. Although it doesn’t cost significantly more, but some shippers and brokers require that you carry it. They consider you to be a better carrier if you have more than the minimum required.

Cargo Insurance: A minimum of $50,000 limit is required for Cargo Insurance, but it’s good to have $100,000 for the same reason mentioned above. However, if you haul computer equipment you will need more.

Physical Damage Insurance: You will need physical damage insurance for your newer equipment. The most common is $1000 deductible for the tractor, $1000 deductible for trailer, and $1000 deductible for the cargo. You can also choose 300 miles, 500 miles or unlimited radius miles, usually measured from your home (parking).

General Liability Insurance: Covers if something falls off your trailer or a wheel comes off. For $1,000,000 limit cost is about $300 a year. You can also get a Commercial Umbrella Liability policy to cover anything else, which should cost around $800 a year

Non-Trucking Liability Insurance: When you use your truck for non-business purposes, you need insurance coverage. Non-Trucking Liability offers liability coverage for property damage or bodily injury to a third party when trucks are being used for non-business purposes.