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Commercial Vehicle Accident Lawyers You Should Know About

Navigating a car accident involving commercial vehicles is often challenging. Still, the right commercial vehicle accident lawyers can make things less complicated.

With the right commercial car accident lawyers, going through the claims process to get adequate compensation from an insurance company becomes simple. The lawyers guide you while handling almost everything on your behalf.

There are two types of commercial vehicle accident lawyers you should know about. We discuss this in detail below and share a few insights on what to consider when looking for a commercial vehicle accident lawyer.

Commercial Vehicle Accident Lawyers: Why Do You Need One?

If you find yourself in an accident involving commercial vehicles, the two types of commercial accident lawyers you can turn to for help in seeking compensation include:

Regular car accident lawyers
Commercial truck accident lawyers

Both types of accident lawyers fall under the category of personal injury lawyers. Still, they differ in terms of the cases they work on.

Regular car accident lawyers work on all vehicular accident cases, including those involving commercial motor vehicles like buses and taxicabs. In contrast, commercial truck accident lawyers specialize in truck accident cases.

For accidents involving commercial trucks, such as semi-trucks, tanker trucks, and delivery trucks, it’s best to get an experienced truck accident lawyer instead of a regular car accident lawyer.

Why You Need Commercial Truck Accident Lawyers for Truck Accident Cases

You should get experienced trucking accident lawyers for all truck accident lawsuits and not any other type of personal injury lawyer for the following reasons:

Truck Accidents Are Fatal

The size and weight of large trucks make truck crashes more fatal than accidents involving other vehicles. Truck accident victims may suffer life-changing injuries requiring immediate medical attention and additional long-term treatments.

An experienced truck accident attorney is better positioned to calculate the amount of settlement you deserve based on the damages incurred. These may be:

Economic damages: These include current and future medical expenses, lost wages, loss of earning capacity, property damage, and legal fees.
Non-economic damages: These include mental anguish, fear, anxiety, and any other emotional pain and suffering experienced because of the accident.

Truck accident attorneys can also help you access medical treatment on a lien basis if you cannot pay for medical expenses upfront.

Truck Accidents Are Complicated

Semi-truck accidents happen due to a combination of factors. This means more than one party might be legally responsible for an accident involving large commercial vehicles.

For example, a truck crash may occur due to driver error. Say the truck driver failed to stop on time and collided with other commercial vehicles. The error might have happened because the truck driver was asleep or the vehicle malfunctioned.

In this case, four different entities might be liable for the truck crash:

The truck driver: Was the driver driving under the influence?
Truck company: Did they require the truck driver to be on the road for too many consecutive driving hours, leading to driver fatigue?
Truck manufacturer: Did the malfunction occur due to a manufacturing defect?
Truck maintenance company: Did the malfunction happen as a result of poor maintenance?

It’s easier for experienced commercial vehicle attorneys to identify all the parties responsible for the truck collision above and pursue compensation from each one.

Regular personal injury lawyers might find this challenging. So, your chances of getting maximum compensation from multiple liable entities are higher when you get a trucking accident lawyer.

Tractor Trailer Accident Cases Are Tedious and Time-Consuming

The stakes are higher in trucking accident cases than in other personal injury cases. Because of this, insurance companies usually employ underhand tactics to make truck accident victims settle for less than they deserve.

Some of these tactics include intimidation and delayed responses to an accident claim. Truck companies might also put up a fight. They’ll try to interfere with the case by wiping out evidence incriminating them or their commercial drivers.

You need aggressive legal representation to handle several insurers of all liable parties identified in a truck accident claim. This can be tedious, time-consuming, and overwhelming for regular car accident lawyers. On the other hand, commercial truck accident lawyers have mastered truck accident law. They can help you quickly navigate trucking accident cases.

What to Look For in a Commercial Vehicle Accident Lawyer

Consider the following factors to find the best truck accident lawyers when you need one:

Detailed Free Consultation

Most law firms offer free case evaluations for truck crash victims. You can always tell how much effort an accident law firm will put into your case from how they handle this initial free consultation.

Experience

An accident law firm handling sizable commercial truck accident cases for decades likely has more experience than a newly established truck accident law firm.

History of Success

How many truck wreck cases has the commercial vehicle accident attorney worked on, including those they’ve taken to trial and succeeded? The answer to this question is often a good indicator of a lawyer’s expertise.

Availability of Resources

Proving fault in commercial truck accidents requires resources. You want to ensure your legal team has enough resources to handle your case. The right resources should include expert witnesses like economists, truck accident reconstructionists, and trucking industry investigators.

Fees

Ensure you understand how a law firm charges for their services before you work with them. Usually, truck accident attorneys operate on a contingency. They’ll take a cut from your settlement.

Final Thoughts

Accidents involving semi-trucks are common even though FMCSA enforces strict safety regulations for trucking companies and their commercial drivers. Their impact is devastating and can lead to severe injuries that affect your work.

You need a qualified commercial truck accident lawyer to help you get the settlement you deserve for all damages incurred in a crash. This might not remove the pain, but it can ease the financial burden of dealing with the aftermath. So, you can focus on bouncing back.

To learn more about finding the right semi-truck accident lawyer for your case, check out our blog.

Best Commercial Truck Insurance Brokers

Finding the best commercial truck insurance brokers can be a tricky task.

Before you go ahead and sign a policy with the first insurance provider you come across, make sure you understand what options are out there. Different commercial insurance plans can vary significantly in both cost and coverage. Your truck is your business’s most important asset, so you must protect it adequately.

This guide explores some of the best brokers to consider to help you find the right insurance company to match your commercial trucking needs.

How To Choose The Best Commercial Truck Insurance Brokers

There are many different commercial truck insurance companies- each offering its unique policies, pros, and cons.

Choosing the right commercial truck insurance company is one of the most important decisions when setting up your trucking business. Your insurance provider can majorly impact your business’s financial security and overall operations.

To help you make an informed choice, here are some crucial steps and considerations to consider when choosing between commercial truck insurance companies.

Assess Your Needs

Understand your business’s unique commercial trucking insurance needs. Factors like the type of trucks you have, the cargo you transport, the routes you take, and your safety record all play a role in the kind of commercial auto insurance you choose.

Research Reputation

Always look for commercial truck insurance companies with a solid reputation in the industry.

Read online reviews, ask for recommendations from other trucking businesses, and check the broker’s history of claims handling and customer service. Getting first-hand feedback from their clients is incredibly valuable when choosing a commercial truck insurance policy.

Expertise

Choose a broker with experience in the commercial trucking industry. Truck insurance can be complex, so working with a broker who understands the specific challenges and regulations of the trucking industry is essential.

Coverage Options

Understand the range of coverage options the commercial trucking broker offers. They should be able to customize policies to meet your unique needs, business size, and motor truck cargo.

This means small owner-operators or trucking companies operating a large fleet can find a suitable commercial truck insurance policy.

Compare Quotes

Getting quotes from multiple brokers to compare their commercial truck insurance premiums and coverage is always a good idea.

This will give you a clear picture of the market rates and help you identify unusually high or low quotes. It will also help you understand which commercial auto insurance policy offers the best coverage.

Claims Handling Process

Ask about the broker’s claims handling process. You want to look for a broker that offers smooth and efficient claims processing. The easier and faster it is to make claims, the more value you could get from the commercial insurance provider.

Transparency

The commercial truck insurance provider should be transparent about the terms and conditions of their policies. Avoid brokers who seem evasive or hesitant to provide clear information. Make sure you understand every detail of the insurance costs, terms, and coverage that they offer.

Additional Services

Some brokers offer extra services like risk management advice, safety training resources, and compliance support. These value-added services can be valuable for your trucking business.

You’ll also want to understand the full range of coverage options the broker offers. Beyond simply insuring your vehicle, look for business insurance, general liability, non-trucking liability coverage, cargo insurance, medical costs, rental reimbursement, and more. There are many different elements that your commercial truck insurance policy can cover.

8 Best Commercial Truck Insurance Brokers To Consider

Now that you know what to look for in a commercial truck insurance broker, it’s time to compare different companies. Here are some of the best commercial truck insurance brokers to consider.

Progressive Commercial

Progressive Commercial is a big name in the insurance industry, offering a range of commercial insurance options. Additionally, Progressive vehicle insurance provides comprehensive coverage for commercial trucks, including plans for trucking businesses of all sizes.

Nationwide

Nationwide provides all kinds of insurance plans – including coverage for commercial trucks. The company has a strong presence in the insurance market and offers flexible plans to match your specific needs.

Allstate

Allstate offers tailored commercial truck insurance solutions. The company provides detailed coverage solutions, helping protect your vehicle and business. This includes collision coverage, liability coverage, comprehensive coverage, and more.

OOIDA

Owner Operator Independent Drivers Association (OOIDA) offers affordable coverage for small business owners. The association provides a full range of coverage options tailored to individual truck drivers’ needs.

Aon

Aon is a global company that offers a range of insurance products – including commercial truck insurance. Their policies are flexible to match your specific business needs.

CoverWallet

CoverWallet is technically not an insurance company – it’s an online insurance aggregator tool. However, comparing commercial trucking insurance options is beneficial to find the best broker for your needs.

Evolution Insurance Brokers

Evolution Insurance Brokers offers comprehensive coverage for truckers. Their commercial trucking insurance policies are designed to meet the needs of truckers and businesses of all sizes – including short and long-haul trucking insurance.

The Hartford

The Hartford is a well-respected and long-standing trucking insurance provider. This commercial trucking insurance company is ideal for large fleets, offering nationwide comprehensive coverage options. The company also offers multiple discounts, making the commercial truck insurance cost worthwhile.

Conclusion

These are some of the best commercial truck insurance companies out there. However, the broker and insurance policy you choose should come down to your specific business requirements. Always compare policies and providers to find a solution that matches your business needs perfectly.

Commercial truck insurance is an essential step in buying a semi-truck. You’ll also need to get the proper funding. If you’re interested in purchasing a new vehicle, then get in touch with us at Mission Financial, where we can help you gain the financing you’re after.

What to Do After a Semi Truck Accident

There’s a lot of risk involved in running a semi-truck business. Of course, one of the main risks is ending up in a semi-truck accident.

Experiencing a truck accident can be a traumatic experience. Depending on the accident, you could face all kinds of issues – such as damage to your vehicle, injuries, and a pause in your business operations. This is why it’s so important to know exactly what to do after experiencing an accident.

Even though you may be shaken up, following the right step after a semi-truck accident is essential. Doing so will help you with your well-being, as well as any potential legal claims you might make.

So if you experience a semi-truck accident of any scale, be sure to follow the steps below.

After a Semi Truck Accident: Top Steps

Focus On Safety

The first and most important step after a semi-truck accident is to make sure that everyone involved in the accident is safe. Assess your condition and check up on the condition of anyone else involved in the accident. Passenger vehicles should first check that everyone in the vehicle is safe, and make note of any serious and minor injuries.

If possible, move the semi-truck to a safe location away from traffic for public safety. Make sure to turn on your hazard lights to alert any other drivers of the accident.

If you are injured or unable to move, try to remain still until help arrives. The same applies to any passengers that might be in the semi-truck. If you need to tend to any serious injuries, try to first get guidance from emergency services over the phone.

Contact Emergency Services

Call emergency services immediately to report the accident and request medical assistance if anyone involved in the accident needs it. The police will also arrive at the scene to document the incident and prepare an accident report, which is important for insurance purposes.

You may also need to arrange for a tow truck to come to clear the accident scene. Of course, semi-truck crashes involve large vehicles, so you may need a special commercial truck towing service.

Gather the Right Information

As soon as everything is safe at the scene of the accident, the next step is to gather all of the necessary information about the accident. This is important for reporting semi-truck accidents and making sure you have all of the facts for doing this.

Collect information from all parties involved in the accident, including the semi-truck driver, witnesses, and passengers. If another commercial vehicle is involved in the crash, take down the details of the trucking company too.

Gather everyone’s names, contact details, driver’s license numbers, insurance information, and license plate numbers. While this may seem like a hassle straight after a semi-truck accident, having this information available is essential.

Document the Accident Scene

The next critical step in dealing with a semi-truck accident is making sure that you gather enough physical evidence about the crash. You’ll need this when reporting the accident and filing any insurance claims.

Use your phone to take pictures and videos of the accident scene. Capture the position of vehicles, damages sustained, skid marks, traffic signs, and any visible injuries. Having these visual records of the accident will make it a lot easier to file any claims and proceed with the legal aftermath of the accident.

When gathering this information, you’ll also need to make sure that you get the story straight for how the accident took place and which party was at fault. Ensure the evidence you gather can clearly depict this.

Notify Your Insurance Company

After commercial trucks have an accident, things can get expensive very quickly. The first thing you’ll want to do once the accident is cleared is notify our insurance company.

Report the accident to your insurance company as soon as possible. Provide them with accurate details of the incident and share the evidence you have gathered. By filing a claim quickly, you’ll have a far smoother claims process. Gaining compensation for any damages or injuries will also be a lot quicker.

Seek Medical Attention

You might not think you’re injured, but if you’ve been in a semi-truck accident it’s a good idea to seek medical attention.

Some injuries get worse over time, without showing full effect immediately. By going for a proper medical examination, you’ll detect any underlying issues which means you can treat them quickly.

Consult With a Lawyer

This isn’t always an absolutely necessary step, but consulting with an attorney certainly has its advantages after a semi-truck accident.

Consulting with an experienced personal injury attorney who specializes in semi-truck accidents is ideal. They will evaluate your case, protect your rights, and guide you through the legal process. An attorney will handle negotiations with insurance companies, gather evidence, and represent your best interests if litigation becomes necessary.

While you don’t always need a lawyer after an accident, you will want to work with one after a complicated incident.

Preserve Your Evidence

If there is a case and you need to work with a lawyer, then make sure you have all of your supporting evidence stored safely.

Preserve all evidence related to the accident, including medical records, accident reports, photographs, and witness statements. This evidence will be vital for supporting your insurance claim or potential lawsuit, should you pursue legal action against the responsible party.

Understand Your Legal Rights

On the topic of lawsuits and attorneys, it’s vital that you understand your legal rights after an accident. Know what you can and cannot do, and familiarize yourself with the specific laws surrounding semi-truck accidents in your jurisdiction.

Each state may have different regulations and statutes of limitations. Understanding your rights empowers you to make informed decisions regarding insurance claims and legal actions. Having enough legal knowledge also means you can proceed with the case faster and more efficiently.

File an Insurance Claim

Now you’ve got legal help, evidence of the semi-truck accident, and you’ve been in touch with your insurance company. The next step is to file an insurance claim with the at-fault party’s insurance company.

Provide them with all relevant information and evidence to support your claim. The more support documents you have, the better.

Insurance companies can be difficult to work with – especially in cases where large commercial semi-trucks are involved. This is why having good legal representation is so useful.

Negotiate a Settlement

A key part of the claims process is negotiating a settlement. If you work with an attorney, then they will negotiate with the insurance company on your behalf.

Try to reach a fair settlement that compensates you for property damages, medical expenses, and possibly lost wages. Of course, the settlement you reach will depend on the specifics of the accident and the commercial insurance company.

If you cannot reach a suitable agreement with the insurance company, then you may need to pursue a lawsuit. This is not ideal, but can be worthwhile depending on the accident.

Consider Legal Action

This isn’t always the case, but there are certain accidents where filing a lawsuit is necessary. You would do this to seek full compensation (which the insurance company isn’t offering) and to protect all of your rights.

If you do decide to take legal action, your attorney will guide you through the entire litigation process. They will represent your interests in court and work to get you the compensation you desire.

While filing a lawsuit can be very worthwhile, it really just depends on the specifics of your case. Each case is different, with some more suitable for lawsuits than others.

Complete Your Semi-Truck Repairs

There are plenty of legal challenges you have to face when dealing with a semi-truck accident. Despite all of this, you’ll still need to get your truck back on the road and your business back in operation as soon as possible. This will likely involve following through with semi-truck repairs.

You may need to rake out a semi-truck repair loan in order to do this if you are still waiting on the insurance settlement. In some cases, you may even need to replace the entire semi-truck completely. Knowing how to buy a semi-truck and find the right semi-truck financing is important here.

The sooner you get your truck repaired, the faster you can get past the accident and back on the road.

Conclusion

Experiencing a semi-truck accident can be an incredibly difficult event. However, following the right steps and knowing what to do after the accident will make the whole process a lot easier to manage. By taking the right steps efficiently, you’ll be able to get past the accident faster and more positively.

If you find yourself needing to purchase a new semi-truck after experiencing an accident, then it’s also important to understand what semi-truck financing options you have available. Get in touch with us at Mission Financial, where we can help any truck driver secure financing for the commercial vehicle of their dreams.

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.

Top 10 Commercial Truck Insurance Companies

With so many commercial truck insurance providers out there, finding the best policy can be tricky.

When you buy a semi-truck, you must get the right commercial truck coverage for your business needs. The best commercial truck insurance depends on your specific business, vehicle, and scenario.

To help you find the right policy, here are the top 10 commercial truck insurance companies operating right now.

Top Commercial Truck Insurance Companies

Progressive

Progressive holds the largest market share of commercial truck insurance companies in the US, making it an easy choice for truck drivers.

This insurance provider is available in all 50 states and offers free state and federal insurance filings. Progressive also offers a wide variety of commercial truck insurance discounts to drivers.

Another one of the main reasons why Progressive is so popular is because their commercial trucking insurance is available to cover a large variety of truck types. No matter what kind of semi-truck business you run, there will be a suitable commercial auto insurance plan available from Progressive.

Sentry

If you’re looking for a commercial truck insurance company that focuses on single truck drivers, then Sentry is one of the best options. Unlike other truck insurance companies that focus on coverage for larger businesses and fleets, Sentry’s main focus is on individual trucks and drivers.

Their commercial insurance coverage is flexible depending on your vehicle and situation. Sentry is also available in all 50 states and offers more personalized insurance coverage for owner-operators in the trucking industry.

Hartford Trucking Insurance

Hartford is another one of the most popular commercial truck insurance companies available across all 50 states. Whether you’re an owner-operator or manage a large fleet, Hartford offers relevant insurance coverage for your needs.

Compared to other commercial truck insurance providers, Hartford offers some of the best discounts and complimentary coverages. They also provide special risk engineering services for fleets, which is a useful option for any larger trucking company.

While owner-operators can use Hartford, the company’s multi-vehicle truck insurance policies are the most popular.

State Farm

State Farm is consistently recognized as one of the top 10 commercial truck insurance companies thanks to its high level of customer service.

The company’s commercial truck insurance premiums are reasonable, and they offer various packages for individual owner-operators or fleet vehicles. State Farm’s commercial truck insurance is also available in all 50 states.

While State Farm offers good coverage to commercial truck drivers, their main differentiator is their consistently strong consumer satisfaction ratings.

CoverWallet

Technically, CoverWallet is not one of the top 10 commercial truck insurance companies because it’s an aggregator. However, if you’re looking for the best commercial truck insurance deal, then CoverWallet is one of the best places to find it.

You can use CoverWallet to compare commercial truck insurance costs, features, and coverage options across multiple premiums with instant quotes. The platform also offers comprehensive coverage options for owner-operators with bad credit history.

If you’re looking to purchase commercial truck insurance for any type of vehicle or business, then CoverWallet is a great place to start your journey.

Chubb

When it comes to commercial truck insurance in the US, Chubb is a market-leading name.

Chubb offers business insurance to all kinds of industries and business sizes, including a range of commercial trucking insurance policies. This includes truck insurance, motor truck cargo insurance, non-trucking liability coverage, and more.

Chubb has a large network of offices across the US, and its commercial truck insurance protects anyone from individual owner-operators to large fleets. Their flexible policies and premiums can be tailored to any trucking business.

Nationwide Insurance

As their name suggests, Nationwide Insurance is a top choice if you want comprehensive coverage across all 50 states.

Nationwide is one of the most popular commercial truck insurance companies thanks to being one of the most well-known personal and business insurance providers in the US. Unfortunately, this does mean that their commercial trucking insurance prices can be on the higher side.

However. Nationwide offers a wide range of policies for owner-operators and large fleets. You can access motor truck cargo insurance, commercial auto insurance, and semi-truck insurance for vehicles of all types and sizes. Coverage options are flexible and can include various discounts.

Berkshire Hathaway

Berkshire Hathaway offers truck insurance coverage through GEICO, biBERK, and THREE. These insurance companies are not as large as others, but they all offer a good range of commercial truck insurance and business insurance for companies of all sizes and types.

Berkshire Hathaway’s various insurance companies offer good policies for specific types of trucking businesses. This ranges from low-cost auto insurance to commercial insurance for businesses with specific needs.

Whether you’re looking for rental reimbursement policies, motor truck cargo insurance, non-trucking liability coverage, insurance that offers medical payments, or just straightforward coverage for commercial vehicles, BH’s subsidiaries will have a solution for you.

Farmers Insurance

Farmers Insurance does not offer the most extensive policies compared to other trucking insurance companies. However, the company is straightforward and transparent with its policies and offers good value for money.

Farmers Insurance is also known for its fast claims settlement process and attractive discounts for responsible drivers.

Allstate

If you’re after affordable insurance policies, then Allstate is certainly one of the top 10 commercial truck insurance companies out there. The company offers a wide range of commercial truck insurance policies and is known for its excellent customer service and claims processes.

Allstate also offers flexible commercial insurance coverage to match the specific needs of owner-operators or large fleets of commercial trucks.

Conclusion

We chose this list of the top 10 commercial truck insurance companies based on their variety of policies and coverage options available.

Whether you’re an individual with a semi-truck or operate a large commercial fleet, these truck insurance companies will offer a policy that works for your scenario.

Always compare quotes and shop around when choosing commercial truck insurance. This will help you get the best policy, premiums, and coverage for your trucking business needs.

If you’re looking to purchase a commercial truck, then you’ll also need to work with the right truck financing provider. At Mission Financial, we help everyone gain financing to match their needs – regardless of whether you have bad credit. Get in touch if you’re ready to buy your dream truck.

Commercial Vehicle Insurance Tips You Should Know

When you purchase a commercial vehicle, one of the first things you need to do is get the right commercial vehicle insurance policy in place.

You need to make sure that your insurance policy offers the best value and coverage for your business, while still being as affordable as possible. Some commercial vehicle policies can add up, so you must be careful when choosing one.

To help you get this right, this guide offers some of the best commercial vehicle insurance tips you should know.

7 Commercial Vehicle Insurance Tips to Get the Best Deal

Your commercial auto insurance policy can be a big commitment. It’s also essential that you have a policy that covers you properly in case of an emergency.

As with personal auto insurance, there are a few things you can do to help you get the best deal. Let’s break these down.

Don’t Over-Insure Yourself

A common mistake that businesses make in their commercial auto policy is estimating more miles than they will cover. This could result in paying extra for a commercial auto policy that you don’t need.

Consider Annual Payments

If you pay annually, you can often get a cheaper commercial auto insurance quote than making monthly payments. Of course, this is an expensive investment, but it could save your business a significant amount of money in the long run.

Increase Your Voluntary Excess

As with personal auto insurance policies, increasing your voluntary excess amount will reduce your premium. Of course, the amount of voluntary excess you choose to pay will depend on your specific business situation.

Don’t Pay for Extras You Don’t Need

Business vehicle insurance policies often include various add-ons that you won’t need. Make sure you understand what all of your different insurance policies include, and know what coverage you need and what coverage is unnecessary.

Install a Dashboard Camera

Some commercial automobile insurance companies offer a better rate if you have a dash cam installed. This isn’t always the case, but installing a dashboard camera can still be useful to your business’s vehicle.

Consider an ‘Any Driver’ Policy

‘Any driver’ policies are useful for businesses that have a large pool of drivers. However, these types of policies are also more expensive.

Understand who will be driving the vehicle and make sure your insurance policy covers all possible drivers.

Employ Experienced Drivers

You can typically get better insurance rates if your drivers are more experienced and have a clean record. Hiring younger drivers, or drivers with a claim or accident history, could push up your premiums.

Conclusion

Take time shopping around for your commercial vehicle insurance, and consider a range of different policies. Most importantly, understand exactly what type of coverage your business needs, and what coverage each policy offers.

Without the right commercial insurance, your business won’t be able to operate safely, or possibly even legally. So, make sure you know what you’re getting into before committing to an insurance provider.

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