What is Auto Insurance?
Auto insurance is a contract between you and an insurance company that provides financial protection if you're involved in a car accident, your vehicle is stolen, or other covered events occur. It helps cover repair costs, medical bills, and liability claims.
Types of Auto Insurance Coverage
🚗 1. Liability Coverage (Required in Most States)
✔ Bodily Injury Liability (BIL): Covers injuries to others if you’re at fault.
✔ Property Damage Liability (PDL): Pays for damage to others' property.
🚙 2. Collision Coverage
✔ Pays for repairs to your vehicle after an accident, regardless of fault.
🌪 3. Comprehensive Coverage
✔ Covers theft, vandalism, natural disasters, fire, and animal collisions.
🏥 4. Personal Injury Protection (PIP) / Medical Payments
✔ Helps cover medical bills for you and your passengers, regardless of fault.
⚖ 5. Uninsured/Underinsured Motorist Coverage (UM/UIM)
✔ Protects you if the at-fault driver has no insurance or not enough coverage.
What Insurance Do Truckers Need?
Truckers—whether independent contractors or part of a fleet—require specific types of insurance to protect their business, vehicles, cargo, and livelihood. The types of insurance they need will depend on their role (owner-operator vs. employee driver), the type of cargo they transport, and whether they’re working locally or across state lines.