- Accidents: If your truck is involved in a crash, this insurance can cover repairs for your truck, damages to other vehicles, and medical bills for people who get hurt.
- Cargo Damage: If the goods you're carrying get damaged or lost, this can help cover the cost.
- Theft & Vandalism: If your truck is stolen or damaged on purpose, you're covered.
- Breakdowns: Some policies even help with things like roadside assistance or towing if your truck breaks down.
- Liability: This is super important. It protects you if your truck causes damage or injury to others, covering legal costs and compensation.