Category: Truck Insurance Coverage

On the Road with Workers’ Compensation and Occupational Accident Injury Insurance

Western Truck Insurance

Workers’ Compensation and Occupational Accident Injury Insurance are two distinct types of coverage designed to address different aspects of workplace injuries in the trucking industry. Workers’ Compensation Insurance A statutory form of insurance, Workers’ Compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. It is designed to protect both employees and employers … Continue reading “On the Road with Workers’ Compensation and Occupational Accident Injury Insurance”

Behind the Wheel of Truck Liability Insurance

Western Truck Insurance

Truck Liability insurance is the backbone coverage for commercial trucks and their operators. The policy protects truck operators who become legally liable for bodily injury and/or property damage to others related to operating the truck. All truck owners or lessees are required to purchase this coverage and meet state and federal agencies’ regulatory guidelines. The … Continue reading “Behind the Wheel of Truck Liability Insurance”

Comprehensive vs. Specified Perils Coverage in Physical Damage Truck Insurance

Western Truck Insurance

Physical Damage Truck insurance is designed to protect commercial trucks and other vehicles used in transporting goods. The Collision portion of the policy provides coverage for damage to the insured truck that occurs as a result of a collision with another vehicle or object. This includes accidents where the insured truck is at fault. The … Continue reading “Comprehensive vs. Specified Perils Coverage in Physical Damage Truck Insurance”

Inside an Auditable Insurance Policy

Western Truck Insurance

An auditable insurance policy is one in which the premiums the insured pays are based on payroll and/or sales projections at the start of the policy term and then adjusted based on actual figures at the end of the term. Auditable policies are typically used with Workers’ Compensation and Commercial General Liability insurance, but can apply … Continue reading “Inside an Auditable Insurance Policy”

The Importance of On-Time Insurance Payments

Western Truck Insurance

Late insurance payments occur for a number of reasons, including accounting oversights or cashflow issues. However, it’s important to be aware of how late insurance payments can affect your trucking business. Coverage Gaps If insurance payments are not made on time, the trucking company’s policy may cancel and lead to a loss of coverage. For … Continue reading “The Importance of On-Time Insurance Payments”

Lawmakers Looking to Get the Younger Generation Behind the Wheel

Western Truck Insurance

As part of a requirement under the bipartisan Infrastructure Investment and Jobs Act (IIJA), in 2022, the Federal Motor Carrier Safety Administration (FMCSA) established the Safe Driver Apprenticeship Pilot Program (SDAP). The goal of the three-year program is to help individuals ages 18, 19, and 20 explore interstate trucking careers and help trucking companies hire … Continue reading “Lawmakers Looking to Get the Younger Generation Behind the Wheel”

FMCSA Proposes Changes to Its Safety Measurement System

Western Truck Insurance

The Federal Motor Carrier Safety Association (FMCSA) in February announced proposed changes to its Compliance, Safety, Accountability (CSA) program to reduce and prevent crashes. Public comments on the proposed changes are due this month. The FMCSA’s goal is to ensure greater consistency in results by holding similar carriers to the same standard, regardless of how … Continue reading “FMCSA Proposes Changes to Its Safety Measurement System”

90-Day Truck Inspections: Part II

Western Truck Insurance

In a previous article, we discussed the requirement for daily vehicle inspections by the U.S. Department of Transportation’s (DOT) Federal Motor Carrier Safety Administration (FMCSA). In this article, we will look at the requirements for 90-day inspections, as required by the state of California. If your truck has a GVW (gross vehicle weight) rating of … Continue reading “90-Day Truck Inspections: Part II”

How Florida’s Tort Reform Will Impact Trucking Industry

Bob Holtzman

Florida Governor Ron DeSantis signed sweeping tort reforms into law on March 24, 2023, making significant changes to the state’s litigation system. The reforms took effect immediately and are seen as a win for the trucking industry. Florida has been among the worst states in the nation for nuclear verdicts, where damage awards exceed $10 … Continue reading “How Florida’s Tort Reform Will Impact Trucking Industry”

DOT-Compliant Vehicle Inspections: Part I

Bob Holtzman

Over the next few articles, we will review vehicle inspection requirements for commercial trucks as required and endorsed by the U.S. Department of Transportation’s (DOT) Federal Motor Carrier Safety Administration (FMCSA). In this article, we will review daily vehicle inspections. Drivers must conduct inspections at the beginning and end of each shift and on each … Continue reading “DOT-Compliant Vehicle Inspections: Part I”