Truck driver coverage

Truck driver coverage is a commercial auto insurance policy that protects professional drivers against liability, physical damage, and cargo loss during freight transport. Insurers such as Progressive and GEICO require proof of truck driver coverage before allowing interstate operations, according to Your Insurance Info.

Truck driver coverage includes liability protection for bodily injury or property damage caused by the insured driver, with federal law mandating minimum limits of $750,000 for most carriers. Physical damage under truck driver coverage reimburses repair costs from collisions or theft, as seen in claims data from Travelers Insurance showing average payouts of $18,000 per incident in 2023.

Cargo insurance within truck driver coverage compensates for lost or damaged goods; for example, Great West Casualty Company processed over 2,500 cargo claims last year alone. Non-trucking liability covers personal use when not under dispatch; OOIDA reports this add-on typically costs $29–$50 monthly per vehicle.

Occupational accident insurance supplements workers’ compensation gaps for owner-operators lacking employer-sponsored plans; Sentry Insurance notes these policies pay up to $1 million per covered injury event. Uninsured motorist protection within truck driver coverage pays if another party causes an accident without adequate insurance–FMCSA statistics show uninsured motorists were involved in 8% of all large truck crashes in 2022.

Trailer interchange agreements require specific trailer interchange coverage to protect non-owned trailers while attached to the insured’s tractor unit; Northland Insurance cites average annual premiums between $350 and $700 per trailer depending on value and usage patterns.