Truck Insurance Most Frequently Asked Questions

The commercial trucking industry has seen a lot of change lately, especially when it comes to innovation and tech in the actual trucks being used. Companies like Tesla are producing electric, self-driving semi-trucks that are partnering with the likes of UPS and FedEx, and the industry as a whole is looking for ways to attract younger truck drivers.

With all this change, there’s a lot to keep up with like shifts in what’s being hauled, who’s behind the wheel, and the tech driving the trucks. But before change can be made, it’s essential to make sure everything is lined up in the way of insurance coverage. There may be some confusion when it comes to truck insurance, but the FAQ’s below can help clear things up.

I am just starting my trucking business; what coverages do I need?

The following coverages are the most common for trucking and transportation:

Commercial Auto Liability

Physical Damage Coverage
$1000 deductible

Motor Truck Cargo

Non-Owned Trailer Coverage
$1000 deductible


What is the difference between primary liability and secondary liability?

Primary liability coverage acts as protection for the general public while truck drivers are on the road. This coverage is required by FMCSA (Federal Motor Carrier Safety Administration) to obtain one’s own authority. Secondary liability coverage is required by a motor carrier and only covers drivers while under a permanent signed lease.

Am I able to terminate my policy without penalty? Will it affect my credit?

Yes, you can cancel your policy at any time. You should check with your agent to make sure there aren’t any cancellation penalties. Most truck insurance policies utilize an outside billing company (Premium Finance) and an early cancel request in that case will have no cancel penalties. Cancellation will NOT affect your credit. You are, however, expected to pay all premiums that have accrued to your account.

Can a truck driving operator have their own primary liability coverage?

If a truck driver wants to have their own coverage while leasing under a motor carrier, the FMSCA requires the motor carrier to obtain coverage. In this case, individual truck drivers can be charged by the motor carrier for this policy. It’s a good rule of thumb to review any lease agreements carefully.

Can I obtain coverage for my personal items inside my truck?

Yes. Many of the insurers have an option to include coverage for these items. It is done through the physical damage coverage.

It is possible to obtain insurance with a DUI or a “not so good” driving record?

YES. We make every effort to build the proper policy for just about any Driver. In some cases, however, the premium can get too high and we will spend the proper consultation time to make sure the economics make sense.

What are the benefits of purchasing insurance with American Arrow Insurance Services?

American Arrow Insurance Services is a specialist in the truck and transportation insurance industry. We have the excellent relationships with the major insurers in this business. We proudly maintain strong values of high ethical standards, commitment to caring about the success of our clients and insurers, and honesty. 

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