What Does Trucking Insurance Cover and Not Cover in Texas?

Trucking insurance is essential for anyone operating commercial trucks in Texas. Understanding what trucking insurance covers and does not cover is crucial for truck drivers to ensure proper financial protection.

Coverage Provided by Trucking Insurance

Trucking insurance in Texas typically includes several types of coverage designed to help protect against financial risks. One of the primary coverages is liability insurance, which can provide financial protection if the truck driver is found responsible for causing an accident. This coverage can pay for the damages and injuries sustained by other parties involved in the accident.

Another critical aspect of trucking insurance is physical damage coverage. This includes collision coverage, which can pay for repairs or replacement of the truck if it is damaged in an accident, and comprehensive coverage, which provides financial protection against noncollision-related incidents such as theft, vandalism or natural disasters.

Cargo insurance is also a critical component of trucking insurance. It can provide financial protection for the goods being transported in the truck. If the cargo is damaged or lost during transit, cargo insurance can cover costs.

What Trucking Insurance Does Not Cover

While trucking insurance can offer extensive financial protection, it does not cover certain situations and events. Standard trucking insurance policies typically do not cover intentional acts or illegal activities.

Additionally, trucking insurance does not cover routine maintenance and wear and tear of the vehicle. Regular upkeep and maintenance are the responsibility of the truck owner or operator. Insurance policies are designed to provide financial protection for unexpected events and accidents, not for the ongoing costs of maintaining the vehicle.

Your agent can help you understand how your current coverage may provide financial protection for specific incidents and accidents.

Contact Us

Contact Amco Auto Insurance to learn about trucking insurance coverage near you and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.