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How Much Does a Semi-Truck Weigh?

How heavy is a semi-truck? Is it just the cab that matters, or does the trailer change everything? What happens when it’s fully loaded with cargo? If you’re in the trucking industry, whether you own a single truck or oversee a fleet, understanding these numbers is critical.

The weight of a semi-truck affects more than just how much fuel it burns. It influences stopping distances, tire wear, road safety, and whether you’re following the law. Too much weight can lead to serious mechanical strain, fines at weigh stations, or even catastrophic accidents.

In this article, we’ll break down what contributes to a truck’s weight, how different configurations change the total, and how semi-trucks compare to other vehicles.

How Much Does a Semi-Truck Weigh?

The weight of a semi-truck, also known as a semi tractor, can vary significantly depending on its configuration, whether it’s pulling a trailer, and if it’s laden or unladen. So, how much does a semi-truck weigh?

Unladen weight (cab only): Between 10,000 and 25,000 pounds.
Empty weight (cab + empty trailer): Around 30,000 to 36,000 pounds.
Fully loaded tractor trailer: Up to 80,000 pounds, which is the maximum legal weight allowed by federal regulations without special permits.

To put it in perspective, the average passenger vehicle weighs just 3,000 to 6,000 pounds. That means a fully loaded semi-truck can weigh over ten times more than a typical car or pickup. This dramatic weight difference is a major factor in why semi-truck accidents are so dangerous.

In fact, according to the Federal Motor Carrier Safety Administration, there were roughly 110,000 injury crashes involving large trucks in 2021. With such considerable weight behind them, heavier trucks demand more stopping distance and leave less room for error.

How Much Does a Semi-Truck Cab Weigh?

The cab, also called the semi tractor, is the heart of the truck. It houses the engine, driver, and controls, and often includes a sleeper compartment for long-haul comfort. Depending on the setup, this part alone carries considerable weight.

Average weight of a semi-truck cab: Between 10,000 and 15,000 pounds.
Sleeper cab models: Can weigh up to 20,000–25,000 pounds, due to extra equipment.

This weight affects everything from fuel economy to braking power. It also contributes significantly to the Gross Vehicle Weight Rating (GVWR), which the manufacturer defines as the total safe operating weight. Understanding the cab’s mass is critical for safe loading and legal compliance on the road.

How Much Does a Semi-Trailer Weigh?

The semi-trailer is where the real cargo action happens. It’s the part that gets attached to the semi-tractor, and depending on what it’s carrying, its weight can fluctuate quite a bit. There are different trailer types, each with its own weight profile.

Empty trailer: Typically weighs 10,000 to 15,000 pounds.
Loaded trailer: Depends on cargo, but combined with a tractor, can bring the total truck weight to 80,000 pounds.

Why does this matter? Knowing the trailer’s weight is crucial for drivers to ensure they’re not exceeding legal weight limits. Overloading can result in fines, safety risks, or even accidents.

Keep in mind, the GVWR, which includes both the tractor and trailer weight, determines the maximum weight the truck can safely carry, including cargo and fuel.

How Much Does a Semi-Truck & Trailer Weigh?

With a trailer attached, the combined weight of a semi-truck can vary:

Empty truck and trailer: Around 33,000 to 36,000 pounds.
Fully loaded semi-truck: Up to the maximum weight of 80,000 pounds.

This weight limit is not arbitrary. Federal regulations impose these restrictions to ensure safety and prevent damage to roads. Exceeding the weight limit can have serious consequences, including fines, increased accident risks, and greater wear and tear on the truck.

How Much Does an 18-Wheeler Weigh?

An 18-wheeler is simply a semi-truck with 18 wheels. There are 10 on the tractor and 8 on the trailer. It’s the most common configuration in freight hauling.

Unladen: Around 35,000 pounds.
Fully loaded: Up to 80,000 pounds, or 40 tons.

For comparison, an 18-wheeler weighs significantly more than city transit buses, passenger cars, or even garbage trucks, which is why there are strict weight restrictions and federal regulations on these vehicles.

Exceeding the weight limits can put excessive strain on roads, bridges, and infrastructure, not to mention increasing the likelihood of semi-truck accidents.

Laden vs. Unladen Weight

Understanding the difference between laden and unladen weight is essential for truck safety, federal compliance, and avoiding serious consequences on the road.

The unladen weight of a semi-truck refers to the empty weight of the semi tractor and trailer attached, with no cargo, passengers, or extra gear. It’s essentially the “dry” measurement of the truck. On the other hand, laden weight includes everything such as cargo, fuel, the driver, and any equipment or accessories.

Regulators use this loaded weight to determine whether a semi-truck is legally operating under the maximum weight limits allowed by federal regulations. When a semi-truck haul exceeds these limits, it increases the risk of semi-truck accidents and can result in fines or shutdowns at a weigh station.

Components of Semi-Truck Weight

The total semi-truck weight comes from multiple components that together form the gross vehicle weight rating (GVWR):

Tractor (semi cab): Engine, frame, fuel, and sometimes a sleeper cab.
Trailer: Cargo container or flatbed.
Cargo: The most variable component, affecting laden weight.
Fuel tanks: Can add several hundred pounds when full.
semi-truck tires: Not just weighty, but critical for stability and legal compliance; each semi-truck tire weighs approximately 100–120 pounds.

Understanding these parts helps explain why semi-truck haul weights fluctuate and must be managed carefully.

Factors Influencing Semi-Truck Weight

Several factors influence how much a semi-truck weighs:

Type of cargo: Dense materials like steel add more weight than soft goods.
Trailer type: Enclosed box trailers, flatbeds, and tankers, which all differ in base weight.
Cab configuration: A sleeper cab adds considerable weight.
Fuel load: A full tank adds hundreds of pounds.
Axle count and tire type: Affects how weight is distributed and absorbed.

When these elements are not balanced correctly, it leads to improper load distribution, overloaded trucks, and a greater risk of semi-truck accidents.

Legal Weight Limits and Regulations

To maintain road safety and protect infrastructure, federal regulations and state laws enforce strict limits on the maximum weight a semi-truck can legally carry. Violating these rules can lead to fines, shutdowns, or liability for serious injury and damage after a crash.

Maximum Capacity Limits

According to the Federal Highway Administration, the maximum legal weight for a fully loaded semi-truck is 80,000 pounds. This includes the combined weight of the semi-truck, trailer, and cargo.

Trucks carrying oversized loads can exceed this limit but must obtain special permits. Violating legal limits can not only lead to penalties but also make the issue a central focus in litigation that a truck accident law firm handles.

Axle Weight Limits and Distribution

In addition to the overall gross vehicle weight rating, axle weight is tightly regulated to prevent road damage and reduce the risk of accidents.

The steering axle is generally limited to 12,000 pounds, while the drive axles and trailer axles must not exceed 34,000 pounds each.

Based on our expertise, exceeding these thresholds or failing to maintain proper load distribution can lead to catastrophic injuries in the event of a rollover or collision. These imbalances are often uncovered during inspections at weigh stations, and they can jeopardize a company’s compliance status.

Impact of Weight

The weight of a semi-truck affects nearly every aspect of its operation. A heavier truck requires more time and distance to stop, increasing the risk of collisions, especially in high-traffic areas.

Based on our research, accidents involving a fully loaded semi-truck or 18-wheeler are far more likely to result in catastrophic injuries or fatalities compared to those involving passenger vehicles or pickup trucks.

Heavy loads also accelerate the deterioration of roads and bridges, adding to public infrastructure costs. When semi-truck accidents occur, investigators often review weight logs and weigh station records to determine whether the vehicle exceeded legal limits.

In many cases, these violations are linked to negligence, which can significantly impact legal outcomes in a personal injury claim.

Conclusion

So, how much does a semi-truck weigh? The answer depends on several factors, but the range typically spans from 30,000 pounds unladen to 80,000 pounds fully loaded. Understanding these figures is vital for safe operation, legal compliance, and smart business management.

Whether you’re a professional owner-operator or just starting your journey in commercial trucking, managing your truck’s weight is essential to your success.

Need financing for your next semi-truck or trailer? Mission Financial Services offers flexible loans even if you have bad credit or are buying your first truck. Contact us today and learn how we can help you keep your wheels turning.

Commercial Box Truck Insurance Cost

Operating a commercial box truck requires more than a capable vehicle and driver. It demands comprehensive insurance coverage to protect your business from potential financial disasters.

It’s so essential that the FMCSA has a “no Insurance, no authorization” rule that makes it illegal to operate without insurance. Failure to comply can lead to hefty fines.

Whether you’re an owner-operator with a single box truck or managing a small fleet, understanding commercial box truck insurance costs is essential for your business planning and success.

What Is the Cost of Commercial Box Truck Insurance?

Commercial box truck insurance costs vary widely, ranging from $3,000 to $14,000 annually. For many small operators, the average premium is around $5,000 to $7,000 annually, though depending on your trucking niche, this can change significantly.

Breaking this down further, commercial box truck insurance includes basic liability insurance, which costs between $2,500 and $6,000 annually, and full coverage, which can increase your premium to $7,000-$14,000 per year.

New businesses often have higher premiums than established companies because they’re considered high-risk. This should go down as you prove your company to be a responsible and reliable business.

However, while these averages can guide you, your specific circumstances may result in costs falling entirely outside these ranges.

With minimal coverage and optimal conditions, some operators could secure coverage for as little as $2,000 annually. In contrast, others with poor driving records or specialized cargo might see premiums exceeding $20,000 annually.

A Quick Example

Let’s take a look at two hypothetical but identical 16-foot box trucks operating in the same city:

Truck A: A company with five years of experience, clean driving records, and a local history of delivering retail goods operates this service. Their annual premium is approximately $4,200.

Truck B: Operated by a new company (less than 1 year old), with a driver who has one at-fault accident in the past 3 years, delivering the same cargo. Their annual premium is approximately $7,800.

That’s a significant 86% difference. It demonstrates how significantly your business’s profile can affect your commercial box truck insurance costs, even with identical vehicles and cargo.

It’s also worth noting that most insurers offer monthly payment options. Many smaller operators find financing their insurance premiums allows for better cash flow management, especially during the first few years.

Factors that Affect Your Commercial Box Truck Insurance Cost

What are the influences that change your commercial box truck insurance cost? How do you get comprehensive coverage while still snagging affordable box truck insurance?

By understanding the factors insurance companies consider when calculating your commercial box truck insurance rates, you can position yourself in a favorable light and secure lower insurance costs.

Truck Type

Box trucks come in various sizes and configurations, and these differences significantly impact commercial box truck insurance costs:

Size and Weight: Larger, heavier box trucks (like 26-foot models) typically cost more to insure than smaller 12-foot or 16-foot trucks. This is due to their potential to cause more substantial damage in accidents.
Age of the Truck: Newer trucks often have better safety features but higher replacement costs. Insurance companies balance these factors when determining rates.
Safety Features: Trucks equipped with advanced safety technology, such as electronic stability control, automatic braking systems, or telematics, may qualify for discounts because they’re safer to operate.
Modifications: Custom modifications might increase the truck’s value and, consequently, the cost of insuring it.

An Example: Truck Size Comparison

Let’s look at how this can play out in the real world.

Let’s say there are two trucks: The annual insurance cost of a 14-foot box truck with basic liability ($750,000 limit) is approximately $3,800. On the other hand, the yearly insurance cost for a 26-foot box truck with the same coverage is roughly $5,200. The trucking company might also need add-on gap coverage to fully protect the business and its employees.

This difference reflects the increased risk associated with larger vehicles, which are more challenging to maneuver and potentially cause more significant damage in accidents.

Coverage Requirements

The extent of protection you choose naturally influences your premium. The more coverage you need, the more expensive it’ll be:

Liability Insurance: The law requires this coverage to pay for damages you cause to others. Minimum limits vary by state but usually fall between $750,000 and $1,000,000 for commercial vehicles.
Physical Damage Coverage: Collision coverage pays for damages to your truck from accidents, while comprehensive coverage protects against theft, vandalism, weather damage, and other non-collision incidents.
Cargo Insurance: Protects the goods you’re transporting with premiums based on the value and type of cargo.
Uninsured/underinsured Motorist Coverage: This coverage protects you when a driver with insufficient insurance hits you.
Medical Payments/Personal Injury Protection: This insurance covers medical expenses for you and your passengers, regardless of fault. It is required by law in many states.

Another factor to consider is state minimum liability. A policy with state minimum liability limits might cost significantly less than a comprehensive policy with $1 million liability limits and full physical damage coverage.

Trucker Driving History

Your driving record and those of your employees significantly impact insurance rates because they show who is high-risk and who is low-risk. Insurance companies typically review the past 3-5 years of driving history when determining rates.

If you or your listed drivers maintain clean records, you could reduce your truck insurance cost by 10–30%. On the flip side, recent accidents might spike your rates by 20–50% or more.

Serious violations like DUIs or reckless driving can double your commercial box truck insurance cost and may even make insurance companies unwilling to offer a policy.

Truck Cargo

What you transport in your box truck substantially affects your insurance costs. For example, a box truck carrying furniture might have an annual premium of $5,000, while the same truck transporting medical supplies could cost $7,500 or more to insure.

If you transport general household goods or retail items, your insurance costs will usually be lower. However, hauling hazardous materials can increase premiums by 50–100% due to increased risk.

High-value items like medical equipment or electronics often require comprehensive coverage, while perishable goods need specialized protection in case refrigeration fails.

Fragile materials, such as glass or ceramics, can also increase your insurance premiums simply because the likelihood of claims is higher. Cargo insurance protects these goods, but the added value and risk impact your total box truck insurance bill.

Trucking Business Location

Where you operate your box truck business plays a significant role in determining insurance costs. A box truck operating primarily in rural Iowa might cost half as much to insure as an identical truck operating in metropolitan Los Angeles.

Urban areas have higher truck insurance costs due to dense traffic and a higher probability of accidents. States with high claim frequencies—like California, New York, or Florida—tend to have insurance rates above the national average.

If you operate in areas with extreme weather, expect to see those risks reflected in your insurance coverage. High local crime rates can also lead to increased costs, as insurance companies factor in potential losses from theft or vandalism when calculating your premium.

Commercial Box Truck Value

The value of your box truck directly impacts your physical damage premium. A new $80,000 box truck might cost $2,000-$3,000 more annually to fully insure than a similar 10-year-old model worth $20,000.

Newer or higher-value commercial box trucks cost more to repair or replace, which drives up comprehensive insurance and collision costs. Over time, as your box truck depreciates, your physical damage coverage cost may go down.

Distance Traveled

The more miles your box truck covers, the greater your exposure to risk and the higher your commercial box truck insurance cost. Insurers may use telematics devices to track your actual mileage for more accurate premium calculations.

Local operations within a 50-mile radius usually enjoy lower premiums and are more likely to secure cheap box truck insurance. Regional routes, which span several states, carry moderate costs.

However, long-haul operations, especially those traveling across the country, face the steepest rates due to increased accident exposure and longer hours on the road.

Annual mileage estimates also directly impact rates. For example, trucks traveling more than 50,000 miles yearly could pay 30-40% more than those traveling less than 20,000.

Type of Trucking Business

Your business operations influence your risk profile and final commercial box truck insurance cost. Moving companies typically face higher box truck insurance rates because of diverse cargo and elevated handling risks.

Contractors using commercial box trucks to transport tools or heavy-duty equipment may get more affordable box truck insurance since the value of the cargo is lower.

Food service operations, particularly those hauling perishable items with frequent stops, face unique risks—raising their premiums significantly if refrigeration failure or cargo spoilage becomes a concern.

Tips to Save Money on Your Commercial Box Truck Insurance Costs

Controlling insurance costs is essential for maintaining a profitable box truck operation. Here are proven strategies for reducing premiums while maintaining adequate protection.

Compare Multiple Insurance Quotes

Different insurers evaluate risk factors differently, resulting in significant premium variations. Obtaining quotes from at least three to five providers can yield 10-30% savings. You could find much cheaper box truck insurance for precisely the same coverage just by doing your due diligence and keeping your eyes peeled.

Optimize Your Deductibles

Increasing your deductible is one of the most straightforward ways to reduce premiums. Consider this typical savings breakdown:

$500 deductible: $2,800 annual physical damage premium
$1,000 deductible: $2,380 annual premium (15% savings)
$2,500 deductible: $2,240 annual premium (20% savings)

When selecting higher deductibles, ensure your business has sufficient cash reserves to cover these out-of-pocket expenses if a claim occurs.

Bundle Insurance Policies

Many insurers offer 5-15% discounts when consolidating multiple coverage types with one provider. So, consider bundling your commercial truck insurance with your general liability coverage, workers’ compensation, and property insurance.

Implement Safety Programs and Technology

Insurance companies reward businesses that actively reduce risks because this reduces the chances of them having to pay out large sums of money.

Use safety programs to lower your premiums. Documented safety training, regular safety meetings, and formal accident prevention policies can showcase your dedication to safety and significantly reduce your premiums.

Telematics and anti-theft Devices, such as GPS tracking systems, advanced telematics with driver monitoring, and Anti-theft systems, can also earn discounts.

Innovative Payment and Management Strategies

Paying your entire premium upfront can save you up to 10% of the final premium.

Hiring and retaining drivers with clean records and experience can also offer impact rates. Some insurance companies even provide tiered discounts, for example:

3-5 years experience: 5% discount
5-10 years experience: 10% discount
10+ years with a clean record: 15% discount

Lastly, maintain good credit. A good credit score can save you significant money on your premiums. If your credit score isn’t the best right now, prioritize it for your business.

Leverage Industry Connections

Joining professional organizations like state trucking associations often qualifies you for premium discounts with participating insurers.

You should also work with specialized brokers. Brokers focusing exclusively on commercial truck insurance understand the market nuances and can often find more competitive rates than general insurance agents.

Regular Policy Reviews

As your fleet ages, consider adjusting your physical damage coverage or accepting higher deductibles for older trucks with significantly depreciated values.

Operators with cash reserves who self-insure physical damage on older vehicles redirect premium savings toward future vehicle purchases. This can help divert funds to more essential trucks that can help your business grow.

Conclusion

Commercial box truck insurance is necessary to protect your business from potentially devastating financial losses. While premiums can be substantial, understanding the factors that influence these costs can help you choose box truck insurance that suits your needs and budget.

By carefully evaluating your specific needs, implementing safety measures, maintaining clean driving records, and strategically shopping for coverage, you can secure appropriate protection while minimizing unnecessary expenses.

Ready to secure the best commercial box truck insurance rates while protecting your business? Contact us at Mission Financial Services to explore flexible financing options explicitly tailored for trucking professionals, even if you’re a first-time buyer or facing credit challenges.

Semi-Truck Accident Compensation | What You Can Expect

When you’re involved in a semi-truck accident, the aftermath can be both physically and emotionally overwhelming. Considering there has been an 18% increase in truck accidents since 2020, you can see the merits of good accident coverage.

The sheer size of a semi-truck (some weigh up to 80,000 pounds when fully loaded) means that any collision can result in catastrophic damage, severe injuries, and a long, challenging recovery journey.

Under these circumstances, understanding semi-truck accident compensation and the overall legal process is critical for compensation and recovery.

What Is Semi Truck Accident Compensation?

Semi-truck accident compensation is the financial recovery awarded to commercial truck crash victims. Unlike accidents with passenger vehicles, semi-truck accidents often involve multiple liable parties, such as the semi-truck driver, trucking company, and sometimes even maintenance providers or cargo loaders.

These cases can be very complicated. Establishing a clear chain of liability is essential in determining who’s responsible and how much compensation the injured party can expect.

When you file a truck accident case, you may encounter several types of compensation. Medical, lost wages, and pain and suffering reimbursement are the most common.

In these moments, having an accident attorney or a skilled personal injury lawyer by your side can help you navigate truck accident claims and the legal process.

Average Truck Accident Settlement and Detailed Financial Aspects

The average cost of truck accidents can vary widely, with settlements ranging from $100,000 to $500,000. However, if the accident resulted in severe injuries, such as traumatic brain injuries, spinal cord damage, or even fatal outcomes, settlements can exceed millions of dollars.

These figures are driven by the extent of property damage, higher medical bills, lost wages, and ongoing medical expenses.

Based on our research, insurance companies often try to minimize the payout. So, working with an experienced truck accident lawyer who can effectively counter the insurance adjuster’s tactics is essential.

Types of Compensation and Their Importance

When pursuing a truck accident lawsuit, you may be eligible for several types of compensation, including:

Lost Income and Lost Wages: If your injuries have resulted in a temporary or permanent inability to work, semi-truck accident compensation may include wages lost during recovery, lost income from diminished capacity, and future lost wages if your ability to work is reduced.
Medical Expenses and Medical Costs: This includes emergency treatment, ambulance services, hospital stays, surgeries, and physical therapy to long-term rehabilitation services. A well-documented personal injury lawsuit can help recover actual settlement amounts for these medical expenses.
Pain and Suffering and Emotional Distress: Beyond the tangible costs, compensation often covers non-economic damages such as emotional distress, mental anguish, and the overall pain and suffering caused by the accident. These factors are especially significant in cases involving severe injuries.
Property Damage: In a truck accident case, if your vehicle was damaged or destroyed, you may also claim compensation for property damage.

In cases where a trucking company or semi-truck driver acted with gross negligence (excessive speeding, falsifying logbooks, or operating a semi-truck with known mechanical defects), you might be liable for punitive damages. These are designed to punish the liable party and deter similar conduct in the future.

Factors Influencing Your Truck Accident Settlement

Several key factors affect how much compensation you can expect from a truck accident settlement:

Severity of Injuries: The extent of your injuries, including any traumatic brain injuries or spinal cord damage, is critical in determining a settlement. Severe injuries usually lead to higher truck accident settlements because of long-term rehabilitation and medical expenses.
Determining Liability: Crucial evidence is essential for establishing clear negligence. Evidence such as maintenance records, driving logs, and eyewitness testimonies helps determine liability among multiple parties, including the semi-truck driver and the trucking company.
Insurance Coverage and Adjusters: The scope of the insurance coverage held by the trucking company or semi-truck operator and the tactics employed by insurance companies and adjusters play a significant role in the final settlement amount. Understanding how much compensation you might receive requires a thorough examination of the insurance policies in place.
Legal Representation: The role of a personal injury lawyer or truck accident attorney cannot be overstated. A skilled attorney can negotiate with the insurance company, manage legal fees, and guide you through every step of the legal process—from filing the initial legal claim to reaching a final settlement amount that reflects fair settlement and fair semi-truck accident compensation.

The Legal Process and Your Rights

Navigating a truck accident lawsuit can be difficult. It’s a multifaceted process that demands thorough preparation and the expertise of a skilled personal injury lawyer or truck accident attorney.

After the accident, your legal team will initiate an investigation to collect all crucial evidence supporting your truck accident claims. This investigation typically involves gathering detailed medical records, emergency treatment reports, and documentation of lost wages, physical truck damage, and medical bills incurred after the crash.

This evidence is vital in determining liability for all the involved parties, including the semi-truck driver, trucking company, and even maintenance service providers.

As you move through the legal process, it’s up to you to present detailed information about your medical expenses and the full financial burden of your injuries.

When you clearly outline your pain and suffering, mentioning emergency care and hospital stays as well as rehab and mental health support, you strengthen your case and improve your chances of a successful outcome.

Remember, the final settlement should address all your economic and emotional losses.

This includes compensation for lost wages, lost income, and legal fees. Their work is crucial to making sure you receive fair compensation, covering both your immediate needs and the long-term financial impact of the accident. We’ve examined many cases and noticed how crucial specialized trucking legal advice is.

Only work with a firm specializing in truck accident cases. They’ll understand the nuances of commercial truck regulations, including FMCSA standards, and handle the more complex insurance coverage tactics used by trucking insurance companies.

Your legal claim is how you can hold all responsible parties accountable.

Essential Insights for Navigating Truck Accident Claims

Truck accident settlements can be complex and daunting when you’ve been involved in a severe semi-truck accident. Beyond the initial shock and physical injuries, understanding the intricacies of the legal process and your rights is crucial for any injured party.

Here are a few key points you should remember to pursue fair compensation effectively.

The Importance of Collecting Evidence

After a truck crash, one of the first tasks is gathering and preserving evidence. Detailed documentation is critical for building a strong truck accident claim that fairly and accurately showcases your case.

Take photographs of the accident scene, gather your emergency treatment records, and bring the medical bills to establish the extent of your injuries and property damage. Equally important are records of your lost wages and income, which can demonstrate the financial burden of the accident.

Collecting all this evidence is crucial for supporting your truck accident case and helping your legal team and courts determine how much compensation you can seek.

Understanding Settlement Variabilities

Every truck accident lawsuit is unique. No two cases are identical. While many may wonder about the average settlement or average truck accident settlement amount, the actual truck accident settlement amount depends on several unique factors.

For example, severe injuries like traumatic brain injuries, spinal cord damage, or other serious injuries often lead to higher financial compensation. In contrast, cases involving minor injuries might result in lower compensation.

Whether negotiating a semi-truck accident settlement or a broader compensation package, a skilled personal injury lawyer or truck accident lawyer can help you receive fair compensation that covers all aspects of your recovery journey.

The Role of Legal Representation

A knowledgeable truck accident attorney who understands the nuances of commercial truck regulations is vital. They’ll be able to handle complex cases involving multiple parties, such as the semi-truck driver, trucking company, or even maintenance service providers.

Legal professionals actively push back against the tactics insurance companies and adjusters often use to undervalue your claim.

Its legal representatives help recover compensation for medical expenses, legal fees, and property damage. They’re also more likely to secure additional damages for pain and suffering, emotional distress, and punitive damages in cases of extreme negligence.

Detailed Financial Considerations

After a semi-truck accident, the financial ramifications extend far beyond your immediate medical costs.

Your truck accident case should address short-term expenses, such as emergency treatment, hospital stays, and medical bills, as well as long-term losses, like future medical expenses, lost wages, and reduced earning capacity.

Comprehensive documentation of these losses is critical. Carefully track every medical expense and lost income to build a robust personal injury lawsuit that showcases your financial needs.

This level of detail ensures that when you discuss your truck accident settlement with your truck accident attorney, they consider every aspect of your life and loss.

Multiple Parties and Determining Liability

In truck accident cases, liability can extend beyond the immediate driver. Multiple parties, including the semi-truck driver, the trucking company, and third-party service providers, may share responsibility.

Establishing who is at fault is critical in determining the truck accident settlement amount.

This process involves meticulously investigating all evidence, from maintenance logs and driver records to eyewitness testimonies. By identifying the responsible parties, your legal team can effectively argue for a settlement in your favor.

Conclusion

A semi-truck accident can turn your world upside down. Speaking with a truck accident lawyer is critical to securing fair semi-truck accident compensation. Every case is different, so working with legal experts who understand trucking regulations gives you the best shot at a settlement that covers your losses.

And if you’re an independent owner-operator needing financial support after an accident, Mission Financial Services can help you get back on the road. Reach out today for fast, flexible loan options built for trucking businesses.

Commercial Truck Rental Insurance | Best Insurance Companies & Coverage Types

One of the most critical success metrics in the trucking industry is securing appropriate insurance protection. It’s not just a legal requirement. It also serves as vital protection for your business assets and financial future.

However, choosing the right option is difficult, considering the complicated jargon and the 47% increase in cost in the last decade. Do you need supplemental liability insurance? What exactly is a limited damage waiver? Why can’t you just get normal, personal-use insurance for your trucks?

We’re here to help. Let’s break down what you need to know about commercial truck rental insurance, how it works, and which providers offer the best protection for your fleet.

What Is Commercial Truck Insurance?

Commercial truck insurance is a business insurance category specifically designed to address the unique risks, liabilities, and regulatory requirements of operating commercial trucks.

Commercial truck insurance encompasses a broader and more complex range of insurance protection than standard personal automobile insurance, which is designed for personal use vehicles.

One of the biggest reasons you have truck rental vehicle insurance is that trucking comes with substantially higher risks. These include major accidents and intense roadside assistance requirements.

Fundamental Differences from Personal Auto Insurance

Trucking insurance is a much bigger financial responsibility than car carrier insurance. However, this isn’t by accident but rather by design. Here are the key differences between personal and fleet insurance:

Liability Limits

Commercial truck policies have significantly higher liability limits, often in the millions of dollars. On the other hand, personal auto policies typically max out at several hundred thousand dollars. This difference reflects the potential for catastrophic damages from large commercial vehicle accidents.

Risk Assessment Framework

Insurance providers evaluate commercial trucking risks using metrics different from those used for personal vehicles. These include the specific trucking operation type, rental agreements, cargo classifications, interstate vs. intrastate operations, driver qualifications, and safety protocols.

Regulatory Compliance

Commercial truck insurance must comply with both federal and state regulatory requirements. Requirements vary based on factors such as vehicle weight, cargo type, listed authorized drivers, and operational jurisdiction.

Specialized Coverage

Commercial policies also have industry-specific requirements uncommon in personal auto policies. For example, fleets might have additional cover, such as truck cargo coverage, trailer interchange insurance, and non-trucking liability coverage.

Commercial Truck Rental Insurance Specifics

Insurance protection looks different within the truck rental vehicle insurance market. The coverage needs to provide protection based on the particular needs of the trucking industry.

This subcategory serves rental vehicles and businesses that regularly or occasionally rent or lease commercial trucks rather than maintaining an owned fleet.

Commercial truck rental insurance becomes essential in numerous business scenarios:

Seasonal Demand Fluctuations: Businesses experiencing periodic surges in transportation needs can expand their capacity through temporary rentals covered by appropriate insurance.
Fleet Maintenance Periods: When owned vehicles undergo maintenance or repairs, rental trucks maintain operational continuity.
Business Expansion Testing: Companies considering permanent fleet expansion can test additional capacity through insured rentals before purchasing.
Specialized Equipment Needs: Businesses occasionally requiring specialized trucks (refrigerated units, flatbeds, etc.) can secure appropriate coverage for these temporary rentals.
Business Startups: New trucking operations can begin generating revenue through insured rentals while building capital for eventual vehicle purchases.

How Does Commercial Truck Insurance Work?

Commercial truck insurance is a risk management system designed specifically for the trucking industry. Because of that, it can look different from what you’re used to in personal automobile insurance. So, what can you expect from the insurance process?

Risk Assessment

The process begins with risk assessment. Insurance providers evaluate your operation based on several factors: listed authorized drivers, vehicle types, cargo classifications, route geography, and your history of accidents and claims.

They also consider the nature of your rental transactions, including the length of the rental period and the type of equipment involved. All of these details influence how your premium is calculated. Generally, higher-risk factors—such as transporting high-value goods or having limited driving experience—lead to higher costs.

Coverage Selection

Next is coverage selection. This step involves choosing coverage types and limits that align with your business needs and budget.

Whether you’re covering physical damage to the rental truck, securing protection against property damage or bodily injury, or adding supplemental liability insurance (SLI) for broader third-party liability, it’s important to tailor your truck insurance to the demands of each rental agreement.

You’ll also want to confirm that your policy covers roadside assistance, limited damage waivers, or downtime support, especially if you’re relying on the truck for continuous operations.

Policy Issuance

Once you finalize your coverage and pay the premium, the insurer issues your policy. This document outlines what’s covered, any exclusions, and the terms that apply during the rental period.

At the rental counter, you’ll likely be asked to provide proof of insurance or purchase short-term coverage through the rental company. Be sure to review all rental documents carefully to understand your obligations and avoid any unexpected coverage gaps.

Claims Process

If an accident occurs, the claims process kicks in. You’ll submit details of the incident along with relevant rental documents, including the rental agreement and proof of listed authorized drivers.

The insurer will assess the circumstances (looking at liability, physical damage, and financial responsibility) and determine what’s covered. If approved, they’ll issue payment for your losses, minus any deductibles.

Understanding this process can help operations that rely heavily on truck rentals reduce risk, control costs, and protect their business assets.

5 Best Commercial Truck Insurance Companies

When selecting insurance for commercial truck rentals, these providers consistently rank among the industry’s best for their specialized trucking coverage, customer service, and value.

Progressive Commercial

Progressive Commercial stands out for its comprehensive commercial truck insurance options and specialized focus on the trucking industry. Progressive excels in providing flexible options for small to medium-sized fleets, making them an excellent choice for operations with 1-10 drivers.

You can customize your coverage based on your truck type and usage and take advantage of competitive rates bolstered by multiple discount opportunities.

Progressive’s 24/7 claims service is backed by specialists who understand trucking, and policy management is easy with its streamlined online tools. Progressive also partners with an extensive network of truck repair shops, making it easier to get back on the road quickly.

1st Guard

1st Guard specializes in trucking insurance, giving it unique insight into the industry’s specific needs. This focus makes it particularly attentive to the unique challenges faced by smaller trucking operations.

Their policies are built around owner-operators, with rental-specific options and physical damage coverage tailored to truckers’ needs.

The claims process is straightforward and direct, eliminating red tape and delays. They also offer occupational accident coverage and are known for their high-quality customer service, especially among independent drivers who often need a more personalized touch.

Marquee Insurance Group

Marquee Insurance Group is excellent for finding coverage for higher-risk operations, making them valuable for newer trucking businesses or those with challenging insurance histories.

They offer competitive rates tailored to companies still finding their footing, along with access to multiple carriers, giving you more options in one place. Their team understands the complexities of interstate trucking regulations, ensuring your coverage aligns with compliance needs.

Plus, their flexible payment plans are built around the cash flow realities of running a trucking business, helping you stay protected without stretching your budget.

RLI Insurance

RLI Transportation Insurance provides specialized insurance products designed specifically for the trucking industry. The company has been around for decades and is known for understanding the unique risks that trucking companies of all sizes face.

RLI is particularly strong in cargo coverage and employs dedicated transportation underwriters who truly understand the risks involved in trucking. Their reputation for excellent claims handling makes them a trusted name in the industry.

Great West Casualty

As a company focused exclusively on the trucking industry since 1956, Great West Casualty has the experience and connections that make it a safe and reliable choice.

They bring in-depth knowledge of trucking operations and offer one of the most respected safety programs in the business. Great West also stands out for its specialized claims handling, predictable renewals, and pricing stability.

Commercial Truck Insurance Requirements

Driving a commercial truck without insurance isn’t an option and is illegal in most states. While requirements differ based on location, a few standard federal requirements apply to most commercial trucking operations.

Requirements include:

Primary Liability Insurance: Federal regulations require a minimum of $750,000 in liability coverage for general freight carriers. This increases to $1,000,000 for those hauling hazardous materials and can reach $5,000,000 for certain hazardous materials.
Cargo Insurance: While not federally mandated for all carriers, those with operating authority typically need $5,000-$100,000 in cargo coverage, depending on what you’re transporting.
Physical Damage Coverage: While not legally required, we highly recommend protecting your investment and employees with physical damage and bodily injury coverage.
Workers’ Compensation: Required in most states if you have employees.

In most cases, rental companies require you to either purchase insurance or show proof of coverage that extends to rental vehicles before they allow you to take possession of the truck.

What Does Commercial Truck Insurance Cover?

Commercial truck rental insurance typically includes several types of coverage, two of the most common being liability and physical damage coverage.

Liability coverage pays for bodily injury and property damage you cause to others. It’s the most basic form of protection and is required by law in most states.

Physical damage coverage, on the other hand, protects the truck itself from risks like collisions, fire, theft, and vandalism. Depending on your needs, several add-on policies can offer extra protection.

You also have other insurance options, including cargo coverage, which protects the freight you’re hauling from damage or loss caused by accidents, fire, theft, or other covered incidents.

Non-trucking liability kicks in when the truck is used for personal, non-business-related purposes. Rental reimbursement helps you replace a truck if your truck is sidelined because of a claim. This often works in tandem with downtime coverage, which compensates you for the income you lose while your truck is being repaired.

Uninsured and underinsured motorist coverage protects you if you’re hit by a driver who doesn’t have adequate insurance, protecting you from major losses beyond your control.

Lastly, medical payment coverage covers medical expenses for you and your passengers, regardless of who was at fault.

Conclusion

Choosing the right commercial truck rental insurance protects your business, keeps you compliant, and safeguards your bottom line.

Every operation is different—truck type, cargo, routes, and structure all matter. That’s why working with a trucking-savvy insurance agent is key to finding the best fit.

Do you need financing, too? Mission Financial Services offers tailored loans for trucking businesses, whether you’re a first-time buyer or rebuilding credit. Let’s get your expansion rolling: contact us today!

How Much Do Semi-Truck Drivers Make an Hour?

Are you considering becoming a commercial truck driver? We can understand why. Commercial vehicle drivers, particularly semi-truck drivers, are in high demand in the US. Truck drivers often earn good salaries, too.

But how much do semi-truck drivers make an hour, and what influences their potential income? Get the facts in this guide to semi-truck driver earnings.

How Much Does a Semi-Truck Driver Make?

The answer to this question can vary widely, depending on where you look for the information. Job sites base their calculations on what the job posts they’re sharing are offering. Meanwhile, government websites post statistics based on more comprehensive data.

However, job sites will give you a pretty good indication of what many truck drivers are earning. They also provide valuable info on the requirements for different types of semi-truck-driving jobs.

National Average Truck Driver

How much do semi-truck drivers make an hour or per year according to government data?

Let’s look at the US Bureau of Labor Statistics’ last available data (2023) for heavy and tractor-trailer truck driver salaries. It showed a median of $54,320 per year or $26.12 per hour. Also, approximately 240,300 openings for heavy and tractor-trailer truck drivers are projected each year, on average, until 2033.

Meanwhile, the median annual wage for all workers at that time was $48,060. This proves that heavy truck driving can be a sensible career choice.

Average Salary Annual Salary and Hourly Earnings on Job Sites

According to the employment site Indeed, the average salary for a truck driver in the US is $93,206 per year or $30.99 an hour. But, truck driver salaries start at about $41,408 a year.

Why such a big difference? Owner-operators with their own semi-trucks are likely the ones earning the higher salaries. Truck drivers who drive for smaller businesses are probably the ones at the lower end of the pay scale.

The Highest Paying Semi-Truck Driver Jobs

There are different types of truck-driving jobs. Semi-truck driver jobs that involve specialized vehicles, very long distances and difficult driving conditions, or dangerous cargo usually have the highest earning potential.

Of course, if you own your own truck and act as an independent contractor, you’ll have even better odds of a good income.

Owner-Operators

The average salary for an owner-operator driver in the US is $147 per hour or $343,218 per year. But this is more open to variation than other trucker jobs because owner-operators themselves determine what their earnings will be.

Being an owner-operator truck driver gives you more freedom and more earning potential, and it also demands more responsibility. But if you’re thinking of making a career as a solo driver, you’re not alone. Many resources can help you make a success of your path as an owner-operator.

American Trucking Associations don’t just provide vital support to large trucking businesses and fleet owners. They also help truck owner-operators stay up-to-date with industry trends and navigate state regulatory compliance.

Specialty Vehicle Haulers

What truck drivers earn often depends on what type of truck they’re driving. So, how much do semi-truck drivers make an hour driving specialty vehicles such as car haulers? According to data on the job site Indeed, the average salary in the US for a car hauler is $48.09 per hour or $96,173 per year.

Driving specialty vehicles like those designed for construction or hauling new cars can pay quite well. That said, it typically requires further training aside from a commercial driver’s license (CDL).

That said, it offers job seekers more flexibility, allowing drivers to apply for a wider range of semi-truck driving jobs. You may decide to start driving a regular delivery truck and work your way up to driving a specialty vehicle.

Over the Road Truckers

Over-the-road or OTR truckers transport goods over long distances, across state lines, and even across international borders. Unlike regional drivers, they are on the road for several weeks or even months at a time, on average 300 days annually. That’s why they usually earn more than regional truck drivers.

The average OTR trucker base salary before bonuses or profit sharing, according to Payscale, is currently $65,974 per year or $24.23 an hour. But it can be far higher for experienced drivers working for large, international companies.

Continuous long-distance driving is not for everybody. But, the abundance of truck stops in the US makes these long-haul drivers’ lives a lot easier. So, remember to check out our truck drivers’ guide to truck stops if you’re interested in long-distance trucking.

Hazmat Drivers

How much does a semi-truck driver make an hour? What they’re hauling can influence their potential income. Hazmat transport is the perfect example. The average hazmat truck driver in the United States earns approximately $30 an hour, but some can earn much more.

Hazmat truck drivers transport hazardous materials from place to place, preventing these toxic substances from harming people and more populated environments. It pays well because of the higher risks involved than with other cargo.

These drivers must inspect containers of hazardous materials for leaks or damage, load and secure them in the truck, and unload them again. And all the while, they have to wear protective gear and follow stringent safety regulations.

What Affects The Average Annual Salary Of A Semi-Truck Driver?

How much does a semi-truck driver make an hour, and what are the factors that determine that rate? The company the driver works for, the business size and location, the job description, and the trucking route all play a role in determining salary.

Location and Route Type

Location often plays a larger role in earning potential than you might think. This is true for almost every industry and job description, including driving a semi.

Local drivers who aren’t finding the salary they’re looking for and don’t mind relocating simply try somewhere else. Trucker salaries can vary widely between states, so relocation may prove to be the answer to raising your hourly rate.

The route driven is another significant factor. Driving through rough terrain, high-crime areas, dangerous climatic conditions, and steep or narrow roads makes driving a semi much more challenging and risky. That often means you can demand more pay per hour.

These risk factors also contribute to the need for comprehensive commercial truck insurance. This is insurance designed to protect against damage and loss along the road. There are different types of truck insurance, so read through our commercial truck insurance tips to find the best coverage.

Business Size and Job Description

Who you choose to work for and the role assigned to you will affect what you can earn as a commercial truck driver. Is it a small, local business just starting to make a name for itself or a major player in the trucking industry with a huge fleet? The salaries they offer will be very different.

Also, truck driver jobs are not all alike.

Some truck-driving jobs require much longer distances and more hours on the road than others. On the plus side, they will typically pay more than 9-5 delivery drivers. And if you’ll be driving a specialty vehicle or transporting dangerous goods, you can also look forward to an even higher potential income.

The Driver’s Experience

You’ll need a commercial driver’s license (CDL) to drive a commercial truck in the US. You’ll find a few smaller companies willing to give you a job with less experience if you can prove proficiency. The important thing is having a CDL, being healthy and drug-free, with a clear driving record.

If you haven’t got your CDL yet, check out our guide to the top CDL training schools for semi-truck drivers. This is the first step on the journey to becoming a well-paid semi-truck driver.

But aside from the commercial driver’s license, most trucking companies look for experience. Some companies require that job applicants have a CDL for at least two years before applying with them. If you’re going to be driving a specialty vehicle or transporting hazardous goods, this will be even more important.

Knowledge of transport logistics, preventive truck maintenance, and the routes you’ll be expected to drive will be to your advantage. And it won’t hurt if you’re tech-savvy, either. Modern trucks use integrated telematics and AI technologies, and you’ll need to know how they function.

Conclusion

How much do semi-truck drivers make an hour? Their earning potential depends on various factors. These include their location, routes, experience, working conditions, who they work for, the type of truck, and the cargo they haul.

Most semi-truck drivers earn a good salary and enjoy the freedom of being on the open road. And if you’re thinking of putting that CDL to use with your own truck as an owner/operator, Mission Financial Services can help.

Regardless of whether you’re looking for a new or used truck, the top of the range or a budget beast, we’ll get you the financing you need. Contact us today to get the wheels turning.

5 Essential Commercial Truck Insurance Tips To Find The Best Coverage

Whether you lease a truck from a motor carrier or are a solo owner/operator, you’ll drive more confidently knowing your truck is insured. But with so many insurance companies and policies on the market, how can you know which one is right for you?

Don’t worry, we’ve got this. Our commercial truck insurance tips will help you find the best coverage for your trucking operation.

5 Tips to Find the Perfect Commercial Truck Insurance

Truck insurance is crucial for over-the-road trucking, where goods are transported across state lines or international borders.

But just as there are many types of commercial vehicles and trucking businesses, there are also different types of commercial vehicle insurance. The policy you choose should reflect your specific needs. These commercial truck insurance tips will help you find the perfect commercial truck insurance coverage.

1. Assess Your Trucking Business Needs

One of our top commercial truck insurance tips may sound obvious. But it’s the foundation for finding the right commercial truck insurance and the best coverage options.

Assess your business needs. If you are an owner/operator with one truck, your needs will differ from a large motor carrier with a large fleet of commercial vehicles.

If you lease your trucks to drivers, you’ll have different insurance obligations than someone leasing trucks for his growing transport business.

Let’s explain. As a truck owner, you are responsible for liability coverage, even if you lease that truck out to another driver. If you’re being financed or are leasing a truck, you won’t be responsible for liability coverage. But if you’re the driver, you may still need cargo or physical damage insurance.

So, check what insurance you are required to have and what is in your business’s best interests.

2. Know the Different Types of Truck Coverage

There are different types of truck coverage, and you may need more than one type for your business. So, do your research. Learn about the different types of truck insurance and what they cover. Here are a few examples of the most common types of commercial truck insurance.

Primary Liability Coverage

This is mandatory for all truck owners. Trucking business owners and lessors are responsible for this, not lessees. Primary truck liability coverage protects against third-party claims for bodily injury and resulting medical expenses or property damage caused by your commercial truck.

Insurance forms are filed by the insurer, not the trucking business or broker.

Non-Trucking Liability Insurance

If you’re an independent contractor, you might sometimes use your truck for non-work purposes, too. We get it. It’s convenient. However, regular commercial vehicle insurance won’t cover a truck accident that happens while doing this.

Non-trucking liability coverage is for the physical damage and bodily injury (claims for medical bills) to third parties that happen while using your truck for non-business reasons.

Motor Truck Cargo Coverage

Cargo coverage protects the goods or cargo being transported by a commercial truck against damage or loss. If you’re leasing a truck, take note that lessees have to see to their own cargo insurance. There are different types of cargo coverage, depending on how comprehensive you want that protection to be.

Physical Damage Coverage

Accidental damage or vandalism can cause serious harm to your trucks. Without accidental damage insurance, you’ll face costly repairs and downtime. Even though federal law does not require it, financers and lessors may require this insurance before they will finance or lease out a truck.

3. Shop Around For a Good Deal

You can get a better deal on anything by shopping around.

Whether you need commercial financing for a new box truck or a used semi-truck, a loan for truck repairs, to affordable commercial truck insurance. You’ll find a great deal, but you need to be proactive. Never choose an insurance policy in a rush or without reading the fine print.

4. Work With an Experienced Insurance Agent or Broker

The insurance industry can be complex, and all the jargon insurance agencies use doesn’t make it any easier to navigate. Consult an industry expert with experience and expertise in insuring commercial vehicles.

They will determine your coverage needs and legal requirements. And they will know which commercial vehicle insurance providers are active in your state. If you’re still building your new trucking company business, you need cheap truck insurance. Ask for advice about keeping commercial insurance costs within your budget.

5. Regularly Review Your Policy

What works for your trucking company today might not meet your needs a year or two from now. As your business expands and your fleet grows, your insurance requirements will change.

Regularly review your policy to check that you still have all the best commercial truck insurance coverage for your needs. Speak to your insurance broker and/or insurance carrier about your growing needs. They may have a policy that is a better fit for you.

Insights For Keeping Your Truck Insurance Policy Affordable

So much can go wrong along the road. You need protection for your drivers, your cargo, and your trucks. But if the cost of commercial truck insurance worries you, these insightful commercial truck insurance tips will help you keep your premiums affordable.

Cargo and Routes Influence Commercial Truck Insurance Costs

If you transport hazardous materials, drive through dangerous high-crime areas, or both, your trucks are at constant risk. Insurance is all about understanding and mitigating risks. When your vehicles are likely to be exposed to higher risk, your insurance premiums will be higher to accommodate this risk.

You might be unable or even unwilling to switch to transporting another category of cargo. But you might be able to do something about the routes you take or the safety features in place when driving through dangerous areas.

Check out the top mobile apps for truck drivers to optimize routes and navigate better in difficult road conditions.

Boosting Your Business Operations

If you want your commercial vehicle insurance to be more affordable, it helps if your business becomes more profitable. By adding another vehicle, even a used truck, you can increase your earning potential and manage insurance costs with ease.

But there’s another reason why it’s sometimes better to insure multiple vehicles with one insurer. Fleet insurance is a cost-effective option for transport businesses with multiple commercial vehicles and trucks. You’ll be able to insure all your vehicles under one policy and even pay lower premiums.

Paying Your Bill on Time

Pay your premiums consistently and on time. Too many late or missed payments can cause your policy to lapse. If this happens, your insurance carrier may cancel your policy. This can lead to legal consequences and even penalties in the case of insurance required by law.

It also means that you’ll lose the coverage you so desperately need. That will only place you under more financial strain. Plan so that you find premiums you can afford, and always pay them on time. Have a contingency plan that allows you to continue paying during months with less revenue.

Changing Your Coverage in the Middle of Your Term

In some cases, you can make changes to your coverage mid-term. For example, you may decide to add another vehicle to your business and thus need more coverage, or you may choose to cut out unnecessary coverage and save some money on premiums.

But don’t act without thinking it through. Switching your insurance early may also incur fees. Adding more coverage will require a down payment and will raise your future premiums. There are pros and cons to every insurance choice you make. Do the calculations first and decide whether it would be better to wait.

Conclusion

Commercial truck insurance is your ticket to confidence and compliance. And you don’t need insurance expertise to get the right coverage. With these commercial truck insurance tips, peace of mind can be yours, and at an affordable price.

With these burdens off your mind, you can focus on improving your transport services. Perhaps you need to do truck maintenance, upgrades, or repairs. Maybe you’d like to add another truck to your fleet. Whatever the case, you’ll find what you need at Mission Financial Services.