When you're looking for Commercial Truck Insurance Texas, you have several ways to get the information you need. You can find companies on the Internet and by phone. You can also get information and quotes from brokers who work in the insurance industry. The Internet makes it easier to research insurance companies and compare them. You can find commercial truck insurance Texas all over the place, but some areas have more companies than others.
Central Texas is one of the biggest areas of the state. Commercial Truck Insurance Texas is also based in this area. This part of the state is known as the city of Houston because of its large number of shipping and distribution companies. It is home to about one-third of America's oil refineries.
Companies that do business in Houston specialize in helping companies with large loads get the coverage they need. Most of the insurance companies in Texas buy their policies from or through the Texas Department of Insurance. Central Texas is a hub of activity for freight forwarding companies. As a result, many commercial truck insurance Texas buyers choose to purchase their policy through a brokerage firm.
Workers' compensation is a big part of commercial truck insurance in Texas, and there are plenty of companies who offer the service. Some of the most common Texas employers' coverage for these types of workers include: carpenter's, painters, elevator repair people, plumbers, bricklayer, and utility linemen. Usually the company offering the best price and service will be the one that offers workers' compensation coverage. If you have employees in these fields, you may want to have your own company insurance policy in place for them, even if it is not required by law.
Primary liability is another important component of a good commercial truck insurance policy in Texas, and it is often required. Basically, it states that the insurance carrier will cover any losses or injuries that you suffered while driving the trucks. In some cases, however, the company will waive the primary liability provision of the policy if you prove in court that your employees were not at fault. The Texas Department of Insurance has rules and regulations that govern how the primary liability provision works. For example, trucks used for transporting hazardous materials are required to have two different sets of equipment: one designed to transport dangerous materials and another designed to transport non-hazardous materials.
Other important items included in the liability section of a policy are property damage and bodily injury liability. Property damage covers damages to real property and personal property that happen as a result of a truck accident in Texas, whether it involves a vehicle or product damage. Bodily injury liability covers accidents that happen to employees of the truck company. It doesn't always include mental or emotional injury damages. In some situations, the bodily injury portion of a policy might be limited to only those accidents that happen to the person of the truck driver, the customer of the trucking company, or anyone else who might be harmed by the truck.
The last type of policy to review is the physical damage insurance. This portion of a policy will cover the medical payments that are needed for the injured or killed victims of a commercial truck accident in Texas, regardless of who was at fault. Most companies will also include a loss of earning income insurance. These are just a few of the options that are available in this section of a commercial truck insurance policy. Many times, the physical damage insurance will cover losses that occur at the site of the accident as well, although this will vary from company to company.
Commercial Truck Insurance Texas is designed to protect the financial interests of truck drivers and their passengers, as well as anyone else who might be injured on the roadways in Texas by a motor truck cargo hauler. A Commercial Truck Insurance Texas policy can cover all of your bases, so that you have maximum coverage for your personal assets, and still have low premiums and very low deductibles. You may also be covered with a liability rider in this situation, which means that you and your passengers are protected against the risk of lawsuits that stem from personal injuries caused by an insured motor truck cargo hauler. If you have questions about what your policy may contain or what your choices are for coverage, contact a qualified broker today.
GET YOUR COMMERCIAL TRUCK INSURANCE TODAY! CALL (702) 832-0220
