Safety

How Much Is Commercial Truck Insurance?

Commercial truck insurance is one of the largest operating expenses you face as an owner-operator or fleet manager. Rising premiums in recent years reflect higher repair costs and stricter safety requirements.

The average monthly cost for for-hire transport trucks is about $954, or more than $11,000 annually. Total coverage ranging anywhere from $3,500 to over $20,000 per year per truck, depending on the state, type of cargo, and driving history.

Understanding where these numbers come from can help you choose the right coverage and avoid overpaying for policies that don’t fit your business needs.

What Is Commercial Truck Insurance?

Commercial truck insurance is a specialized type of commercial auto coverage designed to protect you, your equipment, and the freight you haul.

Unlike standard commercial auto insurance, truck insurance is specifically tailored for Class 8 tractors, box trucks, semi-trucks, and specialty vehicles that face unique risks on the road.

Commercial truck insurance combines multiple policies (liability, physical damage, cargo, and non-trucking coverage) into a single package that meets federal and state requirements.

The Federal Motor Carrier Safety Administration (FMCSA) requires all for-hire truckers to carry minimum liability coverage, and most shippers and motor carriers require additional protection before you can haul loads.

This isn’t optional. Operating without the right truck insurance exposes you to fines, suspensions, and even loss of operating authority.

What Is the Cost of Different Types of Commercial Insurance Coverage?

The cost of commercial truck insurance depends heavily on the type of coverage you choose. Some policies are required by law, while others are optional but critical to protecting your business from major losses.

Below are the most common types of coverage and what you can expect to pay in 2025 and beyond.

Primary Liability Coverage

Primary liability insurance is mandatory for all trucking businesses. It protects against bodily injury and property damage caused by your truck in an accident.

Owner-operators with authority (meaning you operate under your own FMCSA motor carrier number and carry all required insurance yourself) pay around $954 per month, or about $11,500 annually. If you’re leased to a motor carrier, that carrier usually provides primary liability on your behalf.

Physical Damage Coverage

Physical damage protects your truck and trailer against collision, theft, vandalism, and weather damage.

Premiums vary based on equipment value, but when combined with other required policies, the average total annual cost of insuring a Class 8 truck typically falls between $8,000 and $12,000.

If you finance or lease your truck, your lender will likely require physical damage insurance.

General Liability Coverage

General liability covers accidents and injuries that aren’t directly caused by your truck. For example, if a customer slips and falls at your office, this policy helps cover medical bills.

While standalone premiums can start as low as $600 annually, most trucking businesses purchase higher coverage limits or bundle general liability with other policies to save on overall costs.

Non-Trucking Liability Coverage

Non-trucking liability protects you when you drive your semi for personal reasons, not business. Say you take your truck to the store or run personal errands after dropping off a load. If you cause an accident, this coverage applies.

Premiums generally range from $400 to $1,600 annually, depending on your driving record and state requirements.

While it’s not legally required everywhere, most leased owner-operators need it to stay compliant with carrier contracts.

Bobtail Insurance

Bobtail coverage applies when you’re driving your tractor without a trailer, whether you’re on the way to pick up a load or heading home after a delivery. Most motor carriers require leased drivers to carry this policy.

You can expect to pay around $400 to $600 annually for bobtail insurance. Although it’s a relatively small expense compared to other coverages, it’s essential for avoiding uncovered liability when you’re operating without a trailer.

Motor Truck Cargo Insurance

Cargo insurance protects the freight you haul against theft, damage, or loss in transit. Coverage limits vary widely, with many shippers requiring at least $100,000 in protection. Some contracts demand up to $1 million in coverage, particularly for high-value or hazardous loads.

Premiums usually range from $1,000 to $4,000 per year, depending on cargo type and risk profile. Without this policy, a single damaged or stolen load could put your entire business at risk.

Umbrella Insurance

Umbrella insurance provides an extra layer of liability protection beyond your standard policies. It kicks in if a major accident or lawsuit exceeds the limits of your primary liability coverage.

For example, if damages total $1.5 million but your liability policy only covers $1 million, umbrella insurance can fill that gap.

The average cost for trucking umbrella insurance runs $5,000 to $7,000 per year, though actual premiums depend on your operation, routes, and claims history. Considering the rise in large jury verdicts against carriers, many fleets choose this additional coverage to safeguard against catastrophic losses.

How Much Does Commercial Truck Insurance Cost for Different Types of Drivers?

The price you pay for commercial truck insurance isn’t only about the truck itself. It’s also tied to your role in the industry. Whether you’re brand new with a Commercial Drivers License (CDL), running under your own authority, leasing onto a carrier, or managing a fleet, the numbers vary.

Here’s what you can expect.

New CDL Drivers

Financing as a new CDL driver will likely be your single biggest expense in year one. Insurers see new drivers as high risk due to limited experience, which drives up premiums. First-year drivers with authority can pay $12,000 to $16,000 annually for full coverage.

You can lower costs by taking safety courses, joining an association, or starting under a lease with an established carrier until you build experience. A clean driving record over the first two years will dramatically improve your rates.

Owner-Operators With Authority

When you operate under your own authority, you’re responsible for carrying all required coverages, including primary liability, cargo, and physical damage. On average, owner-operators pay between $9,000 and $16,000 annually per truck, depending on location, cargo, and driving record.

While these costs are higher than leased drivers face, having your own authority gives you more freedom to negotiate contracts, choose loads, and grow your business on your terms.

Leased Owner-Operators

If you’re leased to a motor carrier, the carrier typically covers your primary liability, which significantly lowers your insurance costs. You’ll still need bobtail, non-trucking liability, and possibly physical damage coverage.

Most leased owner-operators spend between $2,000 and $4,000 annually for these supplemental policies. This is one of the most affordable ways to get started in the industry, especially if you’re still building credit or saving capital for your own authority.

Small Fleet Owners

Running a small fleet (two to ten trucks) comes with higher costs overall, but you may qualify for bulk discounts if you insure all vehicles together. Fleet insurance is often quoted on a per-truck basis, and premiums vary widely by state and cargo type.

On average, small fleet owners pay $10,000 to $20,000 annually per truck, with higher-risk operations reaching even more. Bundling multiple coverages and maintaining strong safety programs can help you control these costs and keep your business competitive.

Average Semi-Truck Insurance Costs by State

Insurance premiums for semi trucks vary dramatically depending on where you operate. Local laws, traffic density, litigation climate, and even weather risk all push rates higher or lower.

Here’s how five key state insurance costs compare, and what that means for you:

Texas ($10,533): Running a truck in Texas puts you in the mid-to-higher tier. This rate reflects heavy traffic corridors, oilfield operations, and high claims activity.
California ($11,834): With dense urban freight, strict regulations, and expensive liability risks, California tends to push your insurance costs upward.
Florida ($12,872): Exposure to hurricanes, theft, and complex freight routes combine to make Florida one of the costlier places to insure a semi truck.
Georgia ($15,200): Georgia’s high rate is driven by aggressive liability judgments and freight flow-intensity through its transportation hubs.
New Jersey ($20,763): At the high end, New Jersey reflects dense industrial corridors, high litigation exposure, and tight regulatory environments.

Operating in one of the higher-cost states means your insurance allotment must be not just sufficient, but built into every haul. If your freight contracts or route options let you choose where you register or base your trucks, these state cost differentials become strategic levers.

Also, if your operation crosses state lines, you’ll often carry the higher rate or face surcharges if servicing a more expensive jurisdiction. Knowing the “home state” baseline helps you anticipate premiums and avoid surprise cost jumps.

Other Factors Affecting Semi-Truck Insurance Costs

Beyond coverage type and driver status, many external and operational elements influence what you’ll pay in insurance premiums. Understanding these variables gives you leverage to reduce costs and negotiate better terms.

Liability Risks and Legal Environment

You pay not just for routine claims but also face large verdicts and litigation trends. Over the past few years, “nuclear verdicts” (jury awards exceeding $10 million) have pushed insurers to raise premiums across the board.

In 2024, social inflation and escalating lawsuit costs have become major drivers of rate increases. Because of these legal pressures, insurers price in higher risk. If your fleet operates in states with aggressive jury climates or few tort reforms, your base premium will reflect that.

Operational Costs and Inflation

Insurers pass the rising costs of repairs, labor, and claims onto drivers. In 2024, many trucking companies saw premium hikes of 12.5% or more, driven by higher parts costs, labor inflation, and rising claims severity.

Also, inflation affects the total cost of claims (medical bills, legal fees), pushing insurers to factor higher future exposure into current premiums.

Cargo Type, Route Risk, and Operating Radius

What you haul and where you haul it matter a lot. If you transport hazardous materials or high-value freight, insurers treat your operation as higher risk because the potential losses are greater and the cost of a single claim can be massive.

A spill of hazardous cargo can trigger environmental cleanup and lawsuits, while stolen electronics or luxury goods can cost hundreds of thousands of dollars in one incident.

Routes through high-density areas or regions with elevated theft rates or adverse weather also command higher premiums. Distance and route complexity directly raise your risk exposure and, therefore, your premium.

Driver Record, Experience, and Safety Programs

Your drivers are the first line of risk control. Insurers examine accident history, violation records, and years behind the wheel. Clean records and long experience reduce your risk profile.

Investing in driver training and adopting trucking telematics or ELD data sharing can qualify you for discounts. Those safety measures provide real proof to insurers that risk is controlled.

Vehicle Age, Equipment, and Safety Features

Newer trucks with advanced safety systems (collision avoidance, lane assist, electronic stability) are less of a liability in insurer models. Older trucks without modern safety gear attract higher premium rates.

Also, customized or heavily modified rigs often cost more to insure, because replacement parts and collision repairs become more complex.

Claims History and Loss Ratio

Insurers dig deep into your history of claims. Frequent small losses or one major claim raise your risk score.

If your loss ratio is high (i.e., claims eat up a lot of premiums), you’re more likely to see premium hikes. Consistency matters. A single catastrophic accident can create a spike in your rates for years beyond the incident.

Credit Score and Financial Stability

Many insurers review your business credit or your personal credit history. A stable credit profile suggests you’re less likely to default or under-report risk, so you may get better rates. Poor credit may lead to surcharges or reduced options.

Geographic Location and State Regulations

Where your trucks are registered and where they operate drives premium differences. States differ in minimum insurance mandates, tort laws, and local claim climates.

For example, states with more aggressive lawsuit environments or high accident rates command higher rates. Additionally, routes crossing into those states can raise your rate or trigger surcharges.

Regulatory and Industry Trends

New regulations, such as mandates for safety tech, emissions standards, or minimum coverage limits, can increase insurance baseline costs. Compliance burdens push insurers to raise premiums.

Emerging threats such as cargo theft, supply chain vulnerabilities, and cyber risk are also drawing underwriter attention, pushing the price of insurance upward.

Tips for Reducing Insurance Costs and Keeping Them Low

Once you’ve secured a policy, keeping premiums manageable requires consistent effort. These practical steps help you show insurers that your operation is lower risk, which translates to long-term savings:

Maintain a clean driving record: Fewer violations and accidents directly lower your risk profile and premium.
Monitor credit reports: Strong business or personal credit often qualifies you for better rates.
Optimize routes: Reduce unnecessary mileage and limit exposure to high-risk corridors.
Bundle coverage: Combine liability, cargo, and physical damage policies for discounts.
Ask about fleet programs: Insuring multiple trucks together usually earns volume savings.
Invest in safety technology: Telematics, dash cams, and electronic logging devices can qualify you for rate reductions.
Join associations: Membership in trucking associations or verified safety programs improves your risk rating.
Adjust deductibles: Higher deductibles mean lower premiums if you have the cash flow to cover occasional claims.
Review coverage annually: Updating policies as your business grows ensures you’re not overpaying for outdated limits.

Conclusion

Commercial truck insurance is one of your largest ongoing expenses, but it’s also one of the most critical protections for your business. Whether you’re a new CDL driver facing higher premiums or a small fleet owner trying to keep trucks on the road, understanding coverage types and cost factors helps you stay prepared.

Premiums from $3,500 to over $20,000 per truck annually, managing insurance is about more than compliance – it’s about protecting your livelihood. With the tips above, you can keep costs under control without sacrificing coverage.

Mission Financial Services is here to help truckers like you navigate financing and keep your business moving forward.

If you’re ready to take control of your operating costs and secure the right coverage for your trucks, start your credit application with Mission Financial Services today.

How To Handle A Semi-Truck Accident Lawsuit

Want to know how to handle a semi-truck accident lawsuit? This guide has you covered.

You’ll find info on what to do and what to avoid if you’re involved in a semi-truck accident. Understanding this is crucial. It will prevent you from doing or saying something that might waive your rights to file a claim and end the case before it even begins.

Ensuring your right to file a truck accident lawsuit isn’t tampered with is the first step to handling a semi-truck accident case successfully.

This guide also explains how truck accident lawsuits work so you know how to navigate them smoothly.

What To Do When Involved In A Semi-Truck Accident

If you find yourself in a semi-truck accident, say a commercial truck rams into your car, don’t panic or leave the scene. Instead, try to remain calm and remember the following:

Don’t Admit To Anything

Anything you say can and will likely be used as evidence against your truck accident claim in court. As a result, be careful who you talk to and what you say at the accident scene and afterward.

Specifically, be keen when describing the accident to relevant authorities. Don’t admit fault to anyone, the police included, even if you think you played a part in causing it.

Also, understand that a truck accident settlement can take place anytime from the moment the accident occurs to right before a jury delivers its verdict. This means that representatives from the insurance companies involved can approach you with settlement offers anytime. Some might do this a few days after the accident before you even file your truck accident case.

Often, an insurance company will make such truck accident settlement offers to take advantage of your vulnerable situation after the accident. The offer amount will almost always be less than you deserve, and accepting it means waiving your right to adequate compensation.

It’s best to completely avoid talking to representatives from the commercial truck company or other parties who can be liable for the accident. Find an experienced truck accident attorney instead and let them do the talking on your behalf.

Document Everything

Trucking accidents are more complicated than car accidents involving other vehicles. They require extensive research to prove you deserve to be compensated an X amount for all the injuries, pain, and suffering the accident caused.

Start collecting the evidence you’ll need to build a strong truck accident case immediately after the accident by documenting everything.

Take clear photos of the entire accident scene. Get the details of the trucking company and truck driver, including their name, address, phone number, and registration information. You also want to get the contact information of any eyewitnesses around.

Seek Medical Attention

Always seek proper medical attention after a trucking accident, even if it appears minor. That’s because accidents involving large trucks can cause severe injuries, like a head injury, which may not be very obvious initially.

Going for a check-up will reveal any issue and help you get the right medical treatment in good time. Otherwise, you might suffer medical complications from unattended internal injuries later on. Ensure you keep all records of your medical expenses. They’ll come in handy when your personal injury lawyer needs to calculate the truck accident settlement amount fit for your case.

Get A Truck Accident Lawyer

An experienced truck accident lawyer will file your commercial vehicle accident lawsuit correctly to help you get significant compensation from multiple parties, where applicable. They’ll be keen to follow all necessary steps to ensure you build a solid case from the start. But you have to contact them in time so they can have a good chance to do this.

On average, you have roughly 2-3 years from the date of the accident to file a personal injury claim or wrongful death lawsuit. But the deadline varies depending on your state and the details of your trucking accident.

It’s shorter (about a year) in some states like Louisiana and longer in other states like Florida (4 years), Missouri (5 years), and Maine (6 years). In legal terms, this time limit for filing truck accident cases is known as a statute of limitations.

Most states implement their statute of limitations after years (not days or weeks) to allow truck accident victims to heal before pursuing justice.

However, it’s always best to file an accident lawsuit as early as possible – almost immediately after the accident. Your experienced personal injury lawyer will have ample time to collect accurate evidence from witnesses this way.

That’s because the details of the semi-truck accident will still be fresh in the witnesses’ memory. The lawyer can also move fast to prevent the trucking company and other parties involved from destroying crucial evidence. This is essential, especially during the early stages of handling truck accident cases.

How Truck Accident Lawsuits Work Step by Step

An average truck accident settlement case follows six distinct steps. We’ll discuss these and explain how you can handle each phase effectively.

Step 1: Claim Assessment

In this step, your personal injury lawyer conducts a thorough assessment of your semi-truck accident case for two major reasons:

Establishing Whether You Have A Valid Case

The lawyer will listen to the accident details carefully and explore your legal options and rights based on the facts you provide. Because of this, it is essential to describe the accident as accurately as you can. Also, provide any documentation you might have of the semi-truck accident scene.

Your role in this step is to help your lawyer accurately assess the accident to establish solid grounds for the case. If you think you were at fault, mention it. Your lawyer will ask follow-up questions to determine whether this is true. Most times, you’ll realize other circumstances you’re unaware of might have led to the accident, and you were not at fault.

Determining Liability And Damages You Should Receive Compensation For

If you were not at fault, the lawyer will evaluate the case details to identify the parties responsible for the semi-truck accident.

In most situations, truck drivers are the first party to blame, but semi-truck accidents present several legal liability routes. Multiple parties can be held liable for the accident depending on the specific causes.

For instance, the big rig truck might have rammed into your car due to driver fatigue or break failure. In each of these cases, a different party is responsible. It could be the truck company, vehicle owner, or truck manufacturer. It’s also possible that the truck driver failed to see you due to distracted driving or DUI.

Experienced attorneys will identify all parties liable and consider filing different liability claims to ensure you get maximum compensation.

They’ll also calculate the settlement amount various parties owe you based on every possible factor for determining truck accident lawsuit damages. These may include:

Current and future medical bills
Lost wages – calculating lost wages considers loss of current employment and earning capacity in the future.
The extent of physical injuries, mental anguish, pain, and suffering. For serious injuries, such as a traumatic brain injury or disability, the future cost of continuous medical care and rehabilitation is included.
Loss of consortium
Property damage
Punitive damages

At the end of this step, the lawyer has a good foundation for your truck accident lawsuit. You’ll also get a rough idea of how much the parties liable for the semi-truck accident owe you. It’s important to note that claim assessment happens during the initial free consultation with your lawyer.

Step 2: Investigation

Once you’ve established an attorney-client relationship with your personal injury lawyer, the next step is investigation. Here, lawyers work to preserve any evidence that might help win truck accident settlements.

They’ll send letters to multiple defendants to legally demand that they preserve all evidence of your case. These might include photographs, the vehicles involved in the semi-truck accident, the truck driver’s records of operation, and other vital data. Your role in step 2 becomes passive. You don’t have to do anything except follow your lawyer’s directives when called upon.

Step 3: File And Complaint

After the investigation phase, your lawyer will formally file a truck accident lawsuit against all parties deemed negligent in the semi-truck accident. Your role here is also passive, like in step 2 above.

Step 4: Case Discovery

Case discovery is the case-building phase. Lawyers actively gather evidence from several parties to prove a duty of care and its violation.

They’ll talk to witnesses and obtain analyses from experts, including semi-trailer truck accident reconstructionists and medical personnel, to ensure your accident lawsuit succeeds. Like in steps two and three, your role during case discovery remains passive.

Step 5: Begin Mediation

The mediation process begins once attorneys gather enough evidence for truck accident claims. During this phase, both parties (truck accident victims and defendants), accompanied by their lawyers, meet to see if they can reach a fair settlement. You’ll have to attend the mediation and work closely with your lawyer throughout the meeting.

Step 6: Go To Trial

If you don’t reach a settlement during step 5, the accident lawsuit will proceed to trial, where a judge or jury will hear and determine the case. You might be called upon to testify during the trial, but don’t worry! Your lawyer will prepare you adequately for this.

Conclusion

Unfortunately, accidents involving commercial motor vehicles are common, and they can be fatal. The latest research shows about 4,998 accidents involving large trucks and buses happened in 2020, leading to nearly 108,000 injury crashes.

Knowing how to handle semi-truck accident lawsuits is vital to getting fair compensation for yourself or loved ones in case of an accident. We hope this article helps you with this.

You can also check out our blog to learn more about dealing with semi-truck accidents, including how to find an experienced commercial truck accident attorney.

Small-Scale Semi Truck Guide (+ FAQs)

Have you ever heard about small-scale semi-trucks? You’re in the right place if you’ve ever wondered about these compact powerhouses that navigate the roads with finesse.

Let’s take you on a journey through everything you need to know about small-scale semi-trucks. We’ll look at their features and benefits and then answer some frequently asked questions about small-scale semi-trucks.

Fasten your seatbelts and get ready to dive into the world of small-scale semi-trucks. Let’s hit the road!

Small Scale Semi Truck FAQs

Q1: What Is A Small-Scale Semi-Truck?

These are essentially smaller versions of traditional semi-trucks specifically designed for the delivery of goods. Even with their smaller size, they still serve the vital purpose of hauling cargo. These trucks feature cabs and trailers but are designed to be more compact and maneuverable than full-size semis.

Q2: What Is The Size And Weight Range Of A Small-Scale Semi-Truck?

The size and weight of mini semi-trucks can differ, but they are smaller and much lighter than full-size semis. A small semi-truck can measure from 20 to 26 feet while weighing between 10 000 to 26 000 pounds.

Q3: What Are The Advantages Of Using A Small-Scale Semi-Truck?

Buying a semi-truck for your business will have great advantages, including the following:

Increased maneuverability: Small-scale semis can navigate tighter spaces and more congested areas than larger trucks.
Lower operating costs: They typically have better fuel efficiency and lower maintenance costs.
Easier parking and storage: Their smaller size makes finding parking spaces and storage areas generally easier.
Accessibility to smaller locations: They can access sites where larger trucks may have difficulty reaching.

Q4: What Are The Common Uses For Small-Scale Semi-Trucks?

Small semi-trucks are commonly used for various purposes, including the below.

Local and regional deliveries: They are ideal for shipping goods within a specific area or region.
Last-mile logistics: Small-scale semis can efficiently deliver goods to their final destinations in urban and residential areas.
Specialty cargo transport: They can be used for hauling specialized cargo, such as refrigerated goods or hazardous materials, within a smaller radius.

Q5: What Is The Average Fuel Efficiency Of A Small-Scale Semi-Truck?

How well small semi-trucks use fuel depends on things like the type of engine, how heavy the truck is, and how well it moves through the air. But, they generally offer better fuel efficiency compared to larger semis due to their smaller size and lighter weight. On average, small-scale semi-trucks can achieve around 7 to 12 miles per gallon.

Q6: What Are The Licensing Requirements For Driving A Small-Scale Semi-Truck?

Different places have different rules about licenses, so it’s essential to check the regulations in your area. You’ll need a commercial driver’s license (CDL). You may also require additional certifications for specific types of cargo, such as hazardous materials.

Q7: Can A Small-Scale Semi-Truck Tow A Full-Size Trailer?

Yes, small-scale semi-trucks are designed for towing standard trailers and cars. However, ensuring that the trailer is compatible with the truck’s towing capacity and hitch configuration is crucial. How much a small semi-truck can pull depends on how it was built and what its specs are.

Q8: How Much Payload Can A Small-Scale Semi-Truck Carry?

Payload capacity can vary depending on the model and configuration of the small semi-truck. Usually, they can carry items anywhere from 5 000 to 15 000 pounds. It’s crucial to consult the manufacturer’s specifications and adhere to legal weight limits set by authorities.

Q9: Are There Any Limitations Or Disadvantages To Small-Scale Semi-Trucks?

While small semi-trucks offer several advantages, they also have some limitations, including:

Limited cargo capacity: Compared to full-size semis, small-scale trucks have lower payload capacities, limiting the amount of cargo they can carry.
Reduced long-haul capabilities: They are more suited for short to medium-distance trips rather than long-haul journeys.
Lower visibility: Due to their smaller size, small-scale semi-trucks may have reduced visibility for the driver, requiring extra caution on the road.

Q10: Are There Different Types Of Small-Scale Semi-Trucks Available?

Yes, different types of small-scale semi-trucks are available to suit various needs. Some models are specifically designed for local deliveries. In contrast, others may be optimized for specific industries, such as food and beverage distribution or specialized cargo transport. Manufacturers offer a range of options with varying features and specifications to meet particular requirements.

Q11: What Are The Main Differences Between A Small-Scale Semi-Truck And A Full-Size Semi-Truck?

As the name suggests, a small semi-truck is smaller and lighter than a full-size one. It is also harder to turn and can’t carry as much. You’ll find small-scale trucks are more compact and lightweight.

They offer increased mobility, making them better suited for navigating tight spaces and urban areas. They typically have a lower payload capacity compared to full-size semis.

Q12: Are There Any Regulations Specific To Small Trucks?

Regulations for small semi-trucks can vary by jurisdiction. It is essential to familiarize yourself with local laws regarding licensing, weight limits, and any specific requirements for operating small-scale semi-trucks in your area.

Q13: What Type Of Engines Do Small-Scale Semi-Trucks Typically Have?

Small lorry engines can be powered by diesel, gas, natural gas, or even electricity. The type of engine can change based on who made the truck and what model it is.

Q14: Can Small Trucks Be Customized For Specific Purposes?

Yes, small semi-trucks can often be customized or fitted to meet your specific needs. Depending on your manufacturer, you can order customizations like specialized cargo compartments, refrigeration units, or other modifications to accommodate particular industries or cargo types.

Q15: What Safety Features Are Typically Found In Small Trucks?

Small semi-trucks have the same safety features you’ll find in their bigger cousins. Safety features may include advanced braking systems, stability control, and even lane departure warning. Some boast blind-spot monitoring and collision mitigation systems. Remember, the specific safety features depend on the manufacturer and model.

Q16: How Long Can A Small Truck Be Expected To Last?

The lifespan of a small semi-truck depends on factors such as maintenance, usage, and operating conditions. If you look after your small-scale semi-truck, it can often stay in service for 15 years or longer!

Q17: Are There Any Incentives Or Benefits For Using Small-Scale Semi-Trucks?

In certain regions, you might find incentives or benefits to encourage using small semi-trucks. These could include incentives for electric or alternative fuel-powered trucks, tax credits, or grants promoting efficient and eco-friendly transportation.

Q18: Can Small-Scale Semi-Trucks Be Financed Or Leased?

Absolutely! You can find semi-trucks for sale with financing. You can lease semis through various financial institutions and truck dealerships. Explore different options and terms to sign up for the best one for your needs.

Final Thoughts

We’ve explored the world of small semi-trucks, covering their compact size, increased maneuverability, and versatile applications.

These vehicles offer benefits such as lower operating costs and accessibility to confined areas and play a crucial role in localized transportation and last-mile logistics.

Check out Mission Financial Services for more information on how to join in the rapidly expanding lorry-driving sector. You’ll soon be cruising the roads in no time!

how to start semi truck with bad starter

How To Start A Semi Truck With A Bad Starter

Hey there, truckers and gearheads! We all know how frustrating it can be when you’re ready to hit the road but your semi-truck starter decides to take a little vacation.

Don’t worry! We will walk you through some handy tips and tricks to get your big rig roaring back to life, even with a stubborn starter.

So, grab a cup of joe. Sit back, and let’s show you how to start a semi-truck with a bad starter.

What Does A Semi-Truck Starter Do?

A semi-truck starter is a crucial component of your vehicle’s ignition system. Its primary function is to turn the engine over and get it started.

When you turn the key in the ignition, the starter motor receives an electrical signal from the battery. It uses that power to crank the engine, which begins the combustion process.

The starter is composed of a motor, a solenoid, and a small gear called a pinion that engages with the engine’s flywheel to start it spinning. Once the engine is running, the starter disengages and the engine takes over, continuing to run under its own power.

So, the starter is responsible for getting the engine going, which is a pretty important job! If the starter malfunctions or fails, the engine won’t be able to start, leaving you stranded and needing some repair work.

How To Care For A Semi-Truck Starter

Here are some valuable tips for caring for your semi-truck starter and preventing potential issues down the road:

Keep the battery in good condition: A healthy battery is vital for the proper functioning of the starter. Regularly inspect the battery terminals for corrosion or flimsy connections. Clean the battery as needed and ensure the fittings are tight. Monitor the battery’s charge level and have it tested regularly to ensure the battery delivers sufficient power to the starter.
Avoid overloading the electrical system: Excessive use of electrical accessories, such as lights, radios, or power-hungry devices, can strain the starter and the overall electrical system. Be mindful of your power consumption and avoid unnecessary loads that could impact the starter’s performance.
Practice good starting habits: When starting the engine, avoid holding the key in the start position for an extended period. This can cause unnecessary strain on the starter motor and lead to premature wear. Instead, start the engine smoothly, releasing the key as soon as it fires up.
Regularly service and maintain the starter: Include the starter in your routine truck maintenance schedule. Consult your vehicle’s manual or a trusted mechanic to determine the recommended maintenance intervals for the starter. This may involve cleaning, lubricating, or inspecting specific components to ensure optimal performance and longevity.
Address electrical issues promptly: If you notice any electrical problems, such as dimming headlights, flickering dashboard lights, or slow cranking when starting the engine, address them promptly. Ignoring these warning signs could put additional strain on the starter and lead to more severe issues.

Protect the starter from moisture and debris: The starter is located in the engine compartment, where it’s exposed to moisture, dirt, and debris. Take measures to protect it by keeping the engine compartment clean and free from excessive grime. Consider using protective coverings or shields designed for starters to prevent water or debris from directly contacting the unit.
Perform regular inspections: Inspect the starter for any visible signs of damage or wear. Look for loose connections, frayed wires, or any physical damage. Address any issues promptly to prevent further complications.

Remember, a little preventive care goes a long way in keeping your starter healthy and your truck running smoothly.

How To Start A Semi-Truck With A Bad Starter

A bad starter is among the most common truck problems! If your starter is a bad starter, try any of these ways to start your semi-truck.

Give It A Gentle Tapping

Sometimes, all your starter needs is a little encouragement. No, we’re not suggesting you take a hammer and hit it! Instead, give the starter a few gentle taps with a wrench or a rubber mallet. This can help free up any stuck gears or brushes that might be causing the problem. Just be careful not to hit it too hard; we’re looking for persuasion, not destruction!

Try The Auxiliary Start System

Many semi-trucks have an auxiliary start system, also known as a ‘start assist’ or ‘jump start’ feature. This nifty little system can be a lifesaver when your starter is on the fritz.

Typically, you’ll find a dedicated button or switch labeled ‘auxiliary start’ somewhere in your truck’s cabin. Engage this switch, and it will bypass the primary starter, allowing you to start the engine using a secondary power source. It’s like having a backup plan for your backup plan!

Push-Start To The Rescue

Fear not if you find yourself stranded without the luxury of an auxiliary start system! Push-starting your semi-truck can be a viable option in certain situations. Here’s how to do it:

Gather a few strong, willing souls to help you out. Teamwork makes the dream work, after all!
Choose a flat or slightly downhill area with plenty of room to get rolling.
With your truck in neutral, have your helpers push the truck to a reasonable speed (about 5-10 mph).
Once you’ve gained enough momentum, quickly shift into a lower gear (typically second or third) and let out the clutch. This sudden engagement of the transmission can kick-start the engine.

If all goes well, your engine should roar back to life! Hooray for perseverance and good ol’ human power!

Seek Professional Assistance

If all else fails and your starter remains stubborn or uncooperative, it may be time to call the professionals. Reach out to a reliable mechanic or roadside assistance service to diagnose and fix the issue. They have the expertise and tools necessary to safely get your truck back on the road. Remember, it’s always better to be safe than sorry!

Final Thoughts

Starting a semi-truck with a bad starter might sound like a headache, but with the proper knowledge and a can-do attitude, you can overcome this obstacle.

Just remember, there’s no harm in seeking professional help.

If all else fails and it’s time for repairs, learn more about semi-truck repair loans, and ensure your rig stays in tip-top shape. Keep your spirits high, stay safe on the road, and happy trucking!

For the best advice on semi truck financing, head on over to Mission Financial Services.

How Drivers Can Avoid Drug and Alcohol Violations

In 2020, the Federal Motor Carrier Safety Administration (FMCSA) proposed regulations that would require state agencies to block drivers with any drug and/or alcohol violations from renewing or upgrading their commercial driver’s licenses or permits. The proposed regulations would also prevent new drivers from being issued licenses or permits. In some cases, the new rules would grant agencies the authority to downgrade a driver’s license or permit within 60 days of receiving a drug and/or alcohol violation.

Today, a new regulation requires states to ban drivers with violations from operating commercial vehicles until the driver completes a return-to-duty process. These regulations were deemed ‘The Drug and Alcohol Clearinghouse.’

From their start in January 2020 to the end of March 2021, states saw an astonishing 69,100 total drug violations and 1,552 alcohol violations. In the first three months of 2021 alone, there were 14,324 drug violations and 367 alcohol violations reported, and experts anticipate these numbers to grow with each passing year.

While the FMCSA’s Clearinghouse aims to safeguard our nation’s roadways from potentially dangerous truck drivers, some drivers fall victim to violations simply because they don’t know the new laws and regulations.

Drug and alcohol violations are on the rise

As expected, reported violations saw a 10.2% increase from 2020 to 2021. In 2021, the nation’s total number of drug violations was particularly shocking, with a total of 58,215 reported.

The Drug and Alcohol Clearinghouse broke that number down even further and found:

31,085 violations involving marijuana
8,765 violations involving cocaine
5,082 violations involving methamphetamine

In terms of alcohol violations, the Clearinghouse saw a 26.74% increase from 2020.

Overall, the Clearinghouse found 104,840 truck drivers with at least one violation since its start in 2020. 81,052 of the drivers are still prohibited from resuming operations, and, as of January 2022, only 13,050 of them have completed the requirements for return-to-duty eligibility.

In recent years, the FMCSA has vowed to double the number of random drug tests administered. This decree requires carriers to perform random drug tests on all of their drivers, including any contracted owner-operators. While this demand was labeled as a temporary statute, it will most likely be re-instituted again and again. The FMCSA is required by federal law to increase random drug testing by 50% if the rate of positive drug tests passes the 1% threshold. This change could cost up to $70 million for approximately 2.1 million drug tests.

6 drug and alcohol traps and how drivers can avoid them

On more than one occasion, truck drivers have violated regulations concerning drugs and alcohol because they don’t know or fully understand the law.

Trucking professionals have found six common traps to watch for, including:

1) Sleeping/Resting in the sleeper cab after consuming alcohol.

According to the safety regulation 49 C.F.R. § 392.5, a driver is not allowed to have any alcohol in his/her/their system while having “physical control” of a commercial vehicle. The general definition of physical control is: to have immediate access to the keys and your vehicle in close proximity to you. However, the exact points of what qualifies as “physical control” are not fully specified within the regulation.

Since the fine points of “physical control” are not defined, it is better to play on the safe side and avoid alcohol consumption while on the road. The regulation also applies when taking a 34-hour restart. So, suppose you decide to consume alcohol while you’re at home or in a lodge. In that case, we recommend storing your keys in a safe location to avoid being considered “in physical control” of your commercial vehicle.

2) Failure to proceed to a testing site immediately after testing notification.

The regulation 49 C.F.R. § 382.305 orders drivers to go to a test site immediately after receiving notice of their selection for random testing.

It is imperative to do precisely that in order to avoid receiving a violation. For example, suppose you are in the process of completing a non-driving, safety-sensitive task or function (e.g., unloading a trailer). In that case, you and your fleet manager (or someone with authority) are obligated to stop your task and ensure that you reach the designated testing site promptly. A few contingencies would not be subject to violation, but you will need to review the FMCSA’s regulations to determine them.

3) Failure to report to testing while off duty.

In reference to regulation 49 C.F.R. § 382.305, the same rules apply to drivers off duty. According to the FMCSA, drivers are subject to random drug testing while at home or on vacation. If you are selected for random testing, you must immediately proceed to the designated testing site.

Regarding random alcohol testing, the regulation does not state or require drivers to submit to testing while off duty.

4) Failure to respond to a medical review official.

A medical review officer is responsible for confirming a positive drug test that has been received from a designated laboratory. To complete the confirmation, the M.R.O. must contact the driver-in-question’s employer and ask that they notify the driver to contact the M.R.O. to discuss test results promptly. This is an opportunity for the driver to offer an explanation for the positive test results or to retrieve fax or email information to forward a copy of a prescription to the M.R.O.

5) Using medication that is prescribed to someone else.

In the event a driver tests positive for specific drugs, they would automatically be banned from operating a commercial vehicle until they follow subsequent protocol. In regards to controlled substances that are only made available by prescription from a licensed medical professional, a positive test is deemed okay. However, if a driver tests positive for a controlled substance but does not have a prescription for that substance or the prescription is expired, then they are subject to violation.

6) Legal marijuana use.

If you test positive for marijuana in a random DOT-mandated test, you will immediately be banned from professionally operating a commercial vehicle until you complete subsequent protocol. This rule also applies to legal marijuana usage and/or consumption since state laws do not have the power to overrule or void drug testing results under the FMCSA’s regulations.

Treatment resources every driver should know

If you or someone you know is struggling to overcome addiction, consider treatment through an inpatient or outpatient program.

American Addiction Treatment Centers by State

For free, confidential treatment referrals and information services any time, anywhere, visit SAMHSA’s website or call their National Helpline at 1-800-662-HELP (4357).

More like this:

→ What You Need to Know About the Drug and Alcohol Clearinghouse

→ The Dangers of Distracted Driving: How You Can Help

→ Older Drivers: How to Stay Safe Behind the Wheel

How the Truck Parking Crisis Affects Us All

Picture this: It’s Monday morning, and you’re driving to your workplace. You arrive, only to discover that there are no more available parking spaces. Now what? Do you circle the lot hoping someone will leave and risk being late to work? Do you park in a ‘No Parking’ zone and risk being ticketed or towed?

This scenario is one that many truck drivers face on a daily basis. In fact, truck parking was the fifth largest concern in the American Transportation Research Institute’s (ATRI) 2021 Top Industry Issues poll. The persistent problem has been introduced to legislation over the years, yet there haven’t been many solutions offered to the industry.

The American Trucking Associations (ATA) and the Owner-Operator Independent Drivers Association (OOIDA) recently came together to pressure government agencies to prioritize fixing the parking crisis. The groups explained that the nationwide issue has been a decades-long battle that has affected driver safety, the supply chain, and carriers. In this blog, we’ll break down the top three issues caused by the parking shortage and offer ways truck drivers can combat the problem on their own.

Top 3 issues caused by the parking shortage

The increased shipping demand brought on by the COVID-19 pandemic has led to more trucks on the ground than ever before. The ATA and the OOIDA found that there are approximately 3.5 million truck drivers on the road and only 313,000 parking spaces available nationwide. This shortage has caused three common issues shared by truck drivers.

These issues include:

Safety Concerns

In 2019, a study found that 98% of truck drivers experience difficulty finding safe parking—this is an overwhelming 23% increase from a 2015 report. Trucking organizations have expressed concern for driver safety and well-being, stating: “When drivers are unable to find safe, authorized parking, they are stuck in a no-win situation, forced to either park in unsafe or illegal locations, or violate federal HOS regulations by continuing to search for safer, legal alternatives.”

In a recent letter to the U.S. Department of Transportation, the ATA and OOIDA said 70% of drivers have violated federal Hours of Service (HOS) rules due to limited parking options. With so few parking spots, drivers are frequently forced to park in unsafe and unauthorized locations, including highway shoulders, interstate entries, exit ramps, and abandoned properties. Parking in these locations poses safety risks to all motorists and makes 84% of truck drivers feel unsafe.

This parking shortage also impacts law enforcement officials. When drivers are illegally parked, police officers are faced with three options; they can 1) ignore the problem and risk getting in trouble with their superiors and jeopardize public safety. 2) ask them to relocate their rig, forcing drivers to violate HOS rules or potentially forcing fatigued drivers to risk public safety. 3) ticket the truck driver and cost hardworking individuals time and money.

The moral of the story: When truck parking is not readily available, everyone’s safety is compromised.

Time is money…

The phrase “time is money” has never been more true when it comes to truck driving. Each day, 98% of drivers struggle to find safe and legal parking and waste approximately 56 minutes of available driving time searching for it. This time spent hunting for truck parking can have profound economic impacts. According to a study done by ATRI, the 56 minutes of unproductive drive time equals around $4,600 in lost wages per year. Searching for parking also disrupts fleet productivity, which inevitably leads to supply chain issues and unhappy consumers.

…And money is time

As previously mentioned, law enforcement officers are allowed to ticket drivers of illegally parked semi-trucks. Parking violation fines vary in each state and city, but the total costs can wrack up after the initial fine compounds with potential court costs. And if the driver is ticketed multiple times, their license could be jeopardized. While this personally affects truck drivers, it also cuts into carriers’ profits and can potentially lead to a driver shortage, putting the carrier behind the competition. And if the officer asks the driver to relocate, the carrier could be exposed to fines and penalties from driver protection agencies.

So, the driver, carrier, and anyone else involved in the business feels the impact of the parking shortage.

What can drivers do to avoid parking issues?

While we can’t say for sure when the parking crisis will be resolved, we can prepare truck drivers with knowledge on how to avoid parking troubles.

4 Parking Tips for Drivers

Use apps, like Trucker Path. The app allows drivers to find parking on their route.
Plan your route from start to finish. It may also help to research all available parking along your route in case your ‘Plan A’ doesn’t work out.
Get an early start. Getting on the road before other drivers gives you the advantage when finding parking since your break time will be different from those who got a later start.
Avoid unsafe or illegal parking areas. Parking in designated truck parking areas will help keep you and other motorists safe.