Delivering your freight on time is important however as a responsible owner operator having insurance is critical. As a commercial driver your big rig can do more damage than a regular automobile. Driver beware as an uninsured South Carolina commercial truck driver you are a not only unsafe but the consequences are costly and sometimes tragic .
The cost of being insured
Your truck is not just a business but how you earn your living. Like any other business that is ran successfully, it’s important that you protect yourself by preparing for the unexpected. Any combination of circumstances will lead to an accident in the blink of an eye. Having commercial or owner operated coverage will protect you against such things as being sued from another driver, costly medical bills and collision damage.
The process of getting your truck insured might seem overwhelming but in this case ignorance is not bliss. If you are uncertain about the South Carolina driving requirements here’s a brief description of insurances to help determine your commercial driving needs.
There are three categories of trucking insurance
Truck liability
• Bodily Damage
• Property Damage
• Personal Injury
• Underinsured or Uninsured Motorists Truck Physical Damage
• Comprehensive Insurance
• Collision Insurance
• Diminishing Deductibles
• Personal Property
• Family Emergency Travel
Cargo Insurance provides coverage for damaged freight that is lost in transit. This particular insurance is for individual needs such as loading and unloading, reefer breakdown, pollution and debris removal. While cargo insurance covers the above scenarios exclusions such as an unattended vehicle, maximum theft limitations on target commodities are not included.
• Contingent Cargo is backup insurance when the truck driver’s primary liability does not cover responsibility for loss or damaged cargo.
• Terminal coverage protects lost freight that is within specific terminals.
• Warehouse Legal coverage protects goods stored in specified locations in situations of loss.
As a commercial driver or owner your truck can become a deadly liability if not properly insured. Not being insured in South Carolina will not only cost you money but your truck and livelihood. Protect your big rig from being a safety hazard on the road by taking the time to get the insurance you need.
We want to help you with all your commercial trucking insurance needs. If you are looking for a reputable company that offers quality service and affordable rig insurance rates, contact us today so one of our agents can provide you with a quote.
