This type of insurance is designed for commercial use. It covers many different situations:
- Accidents (Liability Coverage): If you cause an accident, this helps pay for the damage to other people's property or their medical bills. It's legally required almost everywhere.
- Damage to Your Own Truck (Physical Damage Coverage): This protects your Freightliner itself. It includes:
- Collision: Covers repairs or replacement if your truck hits something or overturns.
- Comprehensive: Helps if your truck is damaged by things other than a crash, like fire, theft, vandalism, falling objects, or even hitting an animal.
- Your Cargo (Motor Truck Cargo Coverage): This is super important! It covers the goods you're hauling if they get lost, damaged, or stolen during transit.
- When You're Not Hauling (Non-Trucking Liability/Bobtail Coverage): If you're driving your truck for personal reasons or without a trailer (bobtailing) between jobs, this can cover accidents during those times.
- Uninsured/Underinsured Motorist: Protects you if another driver causes an accident but doesn't have enough (or any) insurance to cover the damages.
- Trailer Interchange: If you're hauling a trailer that you don't own, this covers damage to that trailer.