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COMMERCIAL TRUCKING INSURANCE ARTICLES

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In the trucking industry, finding the right insurance for your commercial vehicle can be complicated. From federal and state regulations to motor carrier requirements, there are several things to consider. Getting insurance coverage, however, can be simple. At Truck Insurance Quotes, we strive to help you find quality and affordable insurance coverage that will protect your commercial vehicle, your business, and your cargo. No matter if you are looking for liability insurance, physical damage coverage, or other types of specialty plans, we can help you find the policy you need.

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Whether you are a trucker, owner, or operator, understanding the trucking industry and the insurance needed for different types of trucks can set you up for success. Take a look at some of the information below to get a better idea of how you can protect your business and your trucks. Let us know how we can help you!

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box truck insurance

What Is Box Truck Insurance?

Box trucks are a game changer in the short-haul transportation industry. This is how it works, a box truck will pick up loads from warehouses, distributors, and depots and deliver them to their specified drop-off location.

Since these trucks typically haul expensive materials and equipment, they need to be adequately insured in case of an accident or collision. In the event of a loss, being underinsured can put you in a difficult situation where you end up in deep financial trouble.

Additionally, the insurance sector is regulated by the government and some form of liability coverage is required for transportation businesses. This is because truck drivers experience more risk due to the nature of the job and the size of their vehicle. Not to mention, it’s difficult navigating a commercial motor vehicle on congested highways with reckless drivers present.

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apply for operating authority

The Process of Applying for Operating Authority and DOT Numbers

The Federal Motor Carrier Safety Administration (FMCSA) requires commercial drivers to apply for an identification number with the United States Department of Transportation (USDOT) as well as an operating authority (MC number) in some cases.

To obtain your identification number via the USDOT, you must complete an online registration form at the FMCSA Unified Registration System (URS). You’ll have to access the URS directly since the FMCSA stopped accepting paper registrations for first-time applicants in December 2015. You won’t need to pay a fee to complete your registration.

In this article, we’ll discuss the process of applying for your MC number and DOT number. Let’s get started!

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DOT number

What’s a DOT Number and Who Needs One?

The Federal Motor Carrier Safety Administration (FMCSA) requires a Department of Transportation (DOT) number for trucks and other carrier vehicles that meet certain criteria. These typically pertain to GVWR, whether you transport paying customers, and whether you operate across state lines. In addition to the federal regulations, 37 of the 50 states require a DOT number.

It can be confusing, especially if you’re new to the business, to understand if this regulation pertains to you or not. Therefore, in this article, we’ll discuss everything you need to know about DOT numbers. Let’s get started!

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bmc 91

What’s a BMC 91 Filing?

Like any other industry, trucking businesses are required to comply with state and federal insurance laws. The FMCSA oversees this sector and it’s a requirement for all motor carriers, broker authorities, and freight forwarders to have the necessary insurance in place before they can be issued operating authorities.

However, it’s important to note, different situations require different filings. Therefore, you must know what federal filings you need since each has a distinct purpose. The main factors that influence which truck insurance filings you need are the type of cargo you haul, what you drive, and your hauling radius.

In this article, we’ll discuss the importance of BMC-91 filings as well as the MCS-90, BMC-84, and BMC-34. Let’s get started.

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cargo theft

4 Tips for Reducing Cargo Thefts

It’s estimated that cargo theft results in losses of $15 to $30 billion annually in the United States. While those numbers may seem alarmingly high, they illustrate just how vulnerable cargo is during the shipping process.

Shipping losses can dramatically cut into your bottom line, making it essential that you do everything you can to ensure that your goods are transported safely to their destination.

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What’s Reefer Breakdown Coverage?

A typical reefer truck has a separate refrigerated unit you attach to the trailer or it has one built directly into the frame. Refrigeration units keep perishable goods at the correct temperature for the duration of the trip. If you routinely transport perishable goods, adding reefer breakdown coverage to your insurance policy can give you added protection and peace of mind.

Refrigerated goods need special coverage since they pose a higher risk than other types of cargo. We’ll highlight some of the risks of hauling refrigerated goods below as well as what to look for in an insurance policy.

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California Truck Insurance

California Truck Insurance Requirements

Every commercial motor vehicle on the road must have sufficient coverage in place. Apart from being a legal requirement, commercial auto insurance provides the insured parties with financial protection in the event of a covered loss. Commercial motor vehicles are massive investments, and as a truck driver, you’ll want to safeguard your asset.

If you’re a truck driver in California you’re probably on the hunt for the best coverage and rates. Especially as inflation continues to drive up the cost of goods around the world. As a business in the transportation industry, we understand the urge to cut back on expenses. However, now’s not the time to cut back on your insurance coverage. With a few simple tips, you can manage your insurance costs without breaking the bank.

In this article, we’ll discuss the FMCSA insurance requirements in California and the various factors that affect your rates. Let’s get started.

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USDOT Number

When do I change the business name on my USDOT Number?

Companies change names for a variety of reasons, including a change of ownership or taking on a name that seems more marketable. If you own a trucking company, the Federal Motor Carrier Safety Administration (FMCSA) requires you to complete certain steps to make the business name change official in its documentation.

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