Common Questions About Commercial Truck Insurance

Commercial truck insurance provides liability and casualty coverage for trucks, vans, and other large vehicles used on public roads for business. It protects businesses and independent operators operating semi-trucks, tractor-trailers, and other commercial vehicles for transporting goods or carrying passengers. Here are the most common questions about commercial truck insurance we hear at THINK Insurance & Financial Services In Pomona, CA.

Does my commercial truck insurance policy cover personal use?

It would be best if you didn’t assume that your commercial truck insurance policy automatically covers your truck when putting it to personal use—and several activities fall into this category. For instance, if you haul goods free of charge for a charity doing disaster relief, the operation of your truck would be defined as personal use. Hauling furniture and household goods when you move is also for personal use. It would be best to have general liability coverage or a business owner’s policy in these situations.

Are there any issues finding coverage for new drivers?

Most insurance companies have an unwritten rule that they only insure trucks driven by operators with at least two years of experience. THINK Insurance & Financial Services can help you find a company that insures new drivers for premiums you can afford.

What about high-risk drivers?

Some operators have excellent driving histories but develop troubling health conditions, like diabetes. THINK Insurance & Financial Services in Pomona, CA can help you find a company that insures them.

Does my policy cover hauls to Canada and Mexico?

Commercial truck insurance policies issued in the USA are not valid in Mexico, and there are numerous restrictions for transport to Canadian destinations. THINK Insurance & Financial Services works with insurance companies in Mexico and Canada that can sell you the necessary coverage.

THINK Insurance & Financial Services in Pomona, CA can answer all your commercial truck insurance questions. Call us at (855) 484-4654 today!