Auto Liability
At Ten Four Truck Insurance, we understand the unique challenges that commercial truckers face on the road. That’s why we offer Auto Liability Insurance tailored to meet the specific needs of fleet owners. Get your quote in minutes!
What Is Auto Liability Insurance?
Auto Liability Insurance safeguards you from financial impact if you’re deemed at fault in an accident. This type of insurance covers damages to third-party property, medical expenses, and lost wages.
Available in all states except Massachusetts & Michigan
$1 million or $2 million dollar limits available
Free filings for state & federal
UIIA endorsement on request
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Start saving on commercial truck insurance. Fill out our online insurance quote form today!
Auto Liability Insurance FAQs
What financial protection does Auto Liability Insurance provide?
Auto Liability Insurance coverage protects you from significant financial losses due to accidents. It covers damages to other vehicles and property in addition to medical expenses and lost wages for injured parties.
Do Ten Four Truck Insurance policies meet state and federal regulations?
Yes, as experts in trucking and drivers’ insurance needs, we ensure your coverage meets all state and federal regulations. Ten Four Truck Insurance also provides free federal and state filings.
Why do motor carriers choose Ten Four Truck Insurance?
We only insure people in the business of trucking, including motor carriers for their auto liability needs. That’s what makes us different. We know all aspects of the trucking industry and tailor our policies to meet your specific needs as a fleet owner. Plus, we keep everything about the process simple. We’re fast, easy to work with and responsive. At the end of the day, we protect you so you’re protected in the event of an accident.
How much can I save on insurance coverage?
Thousands of dollars. Truck insurance costs have increased over the last few years. Some fleets have seen increases of over 40%. Small trucking fleets of less than five trucks often face significantly higher insurance costs per mile compared to larger fleets. Request a quote to determine how much you can save by partnering with us.
What are the benefits of being insured by Ten Four Truck Insurance?
We only insure Class 8 commercial trucks. Ten Four Truck Insurance policyholders trust us because we know their business and the entire trucking industry. Our team is made up of people who understand trucking and provide great rates and fast, expert service to help you save money and manage risk.
Why is it important to work with a commercial truck insurance company that understands trucking?
Policyholders are better protected if they partner with an insurance provider who understands the commercial trucking industry. In the event of an accident, having the right legal representation is paramount. Ten Four Truck Insurance partners with legal representation that knows the industry in each of the states where we operate.
How Commercial Truck Auto Liability Insurance Protects You
Auto liability insurance is a cornerstone of protection for trucking companies, shielding them from the potentially devastating financial consequences of accidents where their drivers are at fault. Having this coverage is not just a good idea; it’s a legal necessity mandated by both federal and state regulations.
Core Coverage Components
Bodily Injury Liability
Bodily Injury Liability steps in if a driver causes an accident that injures or results in the death of another person. It can cover expenses such as:
• Medical bills
• Lost wages
• Legal defense costs
Property Damage Liability
Property Damage Liability applies when a truck driver damages someone else’s property in an accident. This can include:
• Damage to other vehicles
• Damage to buildings, fences, or other structures
• Damage to public property
• Legal defense costs
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Why Fleets Need Auto Liability Insurance
Legal Requirement: The Federal Motor Carrier Safety Administration (FMCSA) and state transportation agencies have minimum liability insurance requirements that trucking companies must meet. These minimums vary based on the type of cargo being hauled and the vehicle’s weight.
Financial Protection: Accidents involving large commercial trucks can result in substantial damages and severe injuries, leading to very high claims. Liability insurance transfers this financial risk to the insurance provider.
Meeting Contractual Obligations: Many shippers, brokers, and other businesses that contract with trucking companies require them to carry specific levels of auto liability insurance as a condition of their agreements.
Essential for Obtaining Operating Authority: The FMCSA will not issue an MC (Motor Carrier) number, which grants the legal right to operate across state lines, until proof of adequate liability insurance is provided.
Combined Single Limit (CSL): Most commercial auto liability policies for truckers offer a Combined Single Limit (CSL). This means the policy has one total limit per accident for both bodily injury and property damage claims, rather than separate limits for each.
MCS-90 Endorsement: This is a crucial endorsement required by the FMCSA. It guarantees that the insurance company will cover legal liabilities arising from the operation of the insured commercial vehicles, regardless of specific exclusions in the policy. It acts as a financial guarantee to the FMCSA and the public.
Request a Quote
Start saving on commercial truck insurance. Fill out our online insurance quote form today!