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A little known liability coverage you may want to include in your commercial trucking insurance is uninsured motorist insurance coverage. Uninsured motorist coverage will protect you if you are involved in an accident with someone who does not liability insurance or does not have enough liability coverage to cover your damage. The premium on this is usually minimal.
Depending on the state you are in, uninsured motorist insurance within your commercial trucking insurance coverage maybe three separate insurance coverages. Uninsured motorist insurance pays for injuries, such as medical expenses and lost wages that result from an accident caused by a driver who has no insurance. Underinsured motorist insurance pays for injuries, such as medical expenses and lost wages, by a driver who has too little insurance to cover all of the injuries. In some states underinsured is part of the uninsured coverage. Then there is uninsured motorist property damage insurance. This will pay for damage an uninsured driver causes to your truck. Uninsured property damage insurance may protect your vehicle if struck by a hit-and-run driver.
Your commercial trucking insurance can be as broad or limited as you need it to be. Having an agent that is familiar with this type of coverage is very important. Without an agent who has an expertise in this type of insurance you could be left exposed at a time when you need coverage the most.