Five Key Questions About Your Semi-Truck Insurance

Navigating the insurance world can feel overwhelming, but it doesn't have to be. Ask yourself these five questions to ensure you receive the best coverage for your hard-earned money.

1. Is My Insurance Policy the Best for My Operation?
   
   Insurance is an important investment for any trucking business. But how do you know if you're getting the best coverage for your dollar? Simple: make sure your insurance advisor specializes in transportation insurance. Also, don't be lured by the lowest price—remember that value isn't just about cost.
   
   
2. How Much Insurance Coverage Is Enough?
   
   Determining the right amount of coverage takes time and effort. The industry standard is $1,000,000 auto liability, but you may need more. Consult with your insurance advisor to find the right coverage for your operation.
   
   
3. Is My Insurance Agent Meeting My Needs?
   
   Your agent should provide valuable insights, respond promptly to your requests, and be honest—even when the conversation is difficult. If your agent can't meet these basic requirements, it might be time to reconsider your options.
   
   
4. What Should I Know If I Have an Accident?
   
   Understanding your insurance policy's claims handling and reporting procedures is vital. You must know how to report a claim and to whom should an accident occur. Your insurance advisor should be available to help.
   
   
5. Why Is My Insurance So Expensive?
   
   Several factors contribute to the high cost of commercial auto liability insurance — the rising cost of truck repairs, increased accident frequency due to
   distracted driving, and escalating jury verdicts. To offset these costs, prioritize safety to prevent accidents.

For help securing affordable coverage tailored to your needs, contact our team of transportation insurance experts today.