Basic insurance policies cover a lot of situations you may encounter, but they don’t cover everything. There are some times when you’re going to want greater insurance coverage. Insurance add-ons are a must for truck drivers who want to stay as safe as possible. Here are the best add-on policies to consider for your truck.
Med Pay insurance is incredibly important for drivers out on the road. It pays out in the case of an accident where someone sustains a serious injury. Liability insurance covers some of this damage, but not the person’s medical bills. And, as we all know, medical bills can get expensive. So get a Med Pay insurance policy! Even if you aren’t at fault, this insurance will help cover all medical costs involved. It is the perfect policy to protect all of the people involved in an accident.
Umbrella insurance is one of the best insurance add-ons a trucker can get. It expands your liability coverage beyond what a basic policy would get you. If you ever exceed the limits of your liability coverage, you’ll find yourself glad that you thought to get umbrella insurance.
Industry-specific insurance add-ons
Depending on what industry you work in, you may need an insurance policy that is tailored to your specific needs. There are specific policies available for every type of truck, including semi-trucks, box trucks, and construction vehicles. There are also policies based on the work you do. For example, if you are a tow truck operator, you’ll want to get garage keepers’ insurance for the cars in your garage, as well as on-hook insurance for when you’re actively towing.
Basically, there is a type of insurance for every driver in every industry. So why wait? Get in touch with a Los Angeles Truck Insurance agent today and we’ll cover you and your truck for every situation you may encounter.