1.  What types of coverage are included in your drive-away trucking insurance?

    • Drive-away truckers require a comprehensive range of coverages to safeguard their operations. Key coverages to inquire about include:

      • Primary Liability Insurance: Mandatory for obtaining your MC number, this coverage protects against accidents where you're at fault, with a minimum required limit of $750,000 by the FMCSA.

      • Cargo Insurance: Insures the vehicles you're hauling, though some drive-away companies may include this coverage in lease agreements.

      • Loading and Unloading Coverage: Protects your cargo during activities outside your vehicle, such as hooking up or unhooking loads.

      • Debris Removal: Covers the costs of cleaning up and removing spilled cargo after an accident.

      • Earned Freight: Provides compensation for lost income if a shipment cannot be delivered on time due to an accident or miscommunication.

      • Combined Deductible: Merges all coverages into one, simplifying the deductible payment process following an accident.

  2. What are the policy limits for drive-away trucking insurance?

    • It's essential to ensure that your drive-away trucking insurance quote meets or exceeds the minimum policy limit requirement of $750,000 set by federal regulations. However, these requirements can vary by region, so it's crucial to clarify the specific limits mandated in your operating area, as requirements in Oklahoma may differ from those in New York.

  3. How do you evaluate risk factors when determining insurance premiums?

    • Drive-away truck insurance premiums can vary based on individual risk factors. Understanding how insurance providers assess risk can help you anticipate potential cost factors. Factors such as your experience level, location, and radius of operation play significant roles in determining your insurance premium. It's essential to discuss these factors with your insurance agent to ensure accurate pricing.

  4. What is the claims process like with your insurance company?

    • In the event of an accident, efficient claims handling is crucial for drive-away truckers. Ensure that the insurance company you choose offers prompt and accessible claims services, including 24-hour support, even on weekends. A responsive and reliable claims service can make a significant difference in managing incidents effectively and minimizing disruptions to your operations.