Category: Truck Insurance Coverage

Occupational Accident- Who Will Pay Your Medical Bills If You Get Hurt On The Road?

Bob Holtzman

When you get hurt at work, Worker’s Comp comes to the rescue covering medical bills, rehab expenses and more. This important insurance coverage is paid for by your employer. However, in an industry like trucking where many are self-employed owner operators or lease operators, a work injury can prove disastrous. Who pays for your medical … Continue reading “Occupational Accident- Who Will Pay Your Medical Bills If You Get Hurt On The Road?”

Report Claims Quickly and Get the Most from Your Policy

Bob Holtzman

Crunch… it’s a sound no one likes to hear, especially when you’re driving a commercial vehicle. Unfortunately, accidents do happen, even to the best drivers. In 2011 the FMCSA noted more than 5 million accidents reported to police with 273,000 involving large trucks. Safety can play a big role in helping you avoid these accidents, … Continue reading “Report Claims Quickly and Get the Most from Your Policy”

General Liability – What is General Liability, Who Needs It, What does it Cover?

Bob Holtzman

A form of Insurance designed to protect Owners and Operators’ businesses from a wide variety of liability exposures.  These exposures could include liability arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured, and contractual liability. General Liability insurance is the … Continue reading “General Liability – What is General Liability, Who Needs It, What does it Cover?”

Comprehensive and Specified Perils

Bob Holtzman

Operators of commercial vehicles, such as truckers, need a number of insurance products. Automobile Physical Damage insurance covers the damage to, disappearance, or destruction of actual automobiles and/or their equipment, such as tractors, trailers or semitrailers, trucks, or private passenger types of vehicles. Equipment does not include personal effects (clothes, eyeglasses, etc.) Covered autos are … Continue reading “Comprehensive and Specified Perils”

Protecting Your Business is Serious Business

Bob Holtzman

Work Related Accidents Impact… You and your net worth Your time and focus The company you have built and its Stakeholders Employees and their families Lease Operators and their families Risk Management is Mission Critical What happens if an employee sustains a work-related injury or worse? What happens if a lease operator sustains a work … Continue reading “Protecting Your Business is Serious Business”

What is the Stated Amount of Physical Damage?

Bob Holtzman

Unlike private passenger type vehicles commercial trucking physical damage is often insured on a “stated amount” basis. Physical damage premiums for private passenger type vehicles are ordinarily determined based on the original cost of the vehicle and its age.  This is practical largely because these vehicles depreciate in an easily predicted fashion.  Heavy commercial vehicles, … Continue reading “What is the Stated Amount of Physical Damage?”

What is Physical Damage Insurance?

Bob Holtzman

Operators of commercial vehicles, such as truckers, need a number of insurance products. Automobile Physical Damage insurance covers the damage to, disappearance, or destruction of actual automobiles and/or their equipment, such as tractors, trailers or semitrailers, trucks, or private passenger types of vehicles.  Equipment does not include personal effects (clothes, eyeglasses, etc.) Covered autos are … Continue reading “What is Physical Damage Insurance?”

Truck Accident Claims Reporting and Handling

Bob Holtzman

It seems that one of the more consistent areas of needed improvement for truckers, whether large fleet, small fleet or owner operators, is in the approach to claims reporting. This writer, who actively receives claims, has seen the gambit in claims reporting from well documented detail to virtually no information provided at all. So what’s … Continue reading “Truck Accident Claims Reporting and Handling”

Truck Insurance – Cost and Quality

Bob Holtzman1 Comment

You may not believe how many truck operations purchase their truck insurance coverage on the basis of lowest price. This practice, however, is not just the company’s fault, but also the fault of many truck insurance agents who supply coverage on the basis of lowest price. It is not only unbelievable, but also a dangerous … Continue reading “Truck Insurance – Cost and Quality”

How to Get the Best Deal on Your Truck Insurance

Bob Holtzman

Knowing what’s happening in the industry helps Western Truck Insurance Services remain a reliable resource to both clients and prospects. As a result, we are always eager to learn how things are going and what you think about DOT enforcement activities, fuel prices, and the effects of laws, rules, and regulations on your business. As … Continue reading “How to Get the Best Deal on Your Truck Insurance”