Problem
Solution
Accidents can happen at any time on the road. If your truck causes injuries or property damage to others, the resulting medical expenses, repair costs, and legal claims can quickly become a major financial burden.
Without the proper liability coverage, your business could be responsible for those costs.
Auto Liability Insurance helps protect your business from covered third-party claims by helping pay for bodily injury, property damage, and legal expenses following a covered at-fault accident.
Body Injury Liability
Property Damage Liability
Helps cover costs if you're legally responsible for injuries to another person following a covered accident. Coverage may help pay for:
Medical expenses
Rehabilitation costs
Lost wages
Legal defense costs
Covered settlements and judgments
Provides protection if your commercial vehicle causes damage to someone else's property. Coverage may include:
Vehicle repair or replacement
Buildings and structures
Fences, signs, and guardrails
Utility poles and public property
Covered property damage claims
Auto Liability Insurance is the foundation of every commercial trucking operation. It helps protect your business from costly third-party claims while meeting state and federal insurance requirements, allowing you to operate with greater confidence.
Auto Liability FAQs
What does Auto Liability Insurance cover?
R: Auto Liability Insurance helps protect your business against covered third-party bodily injury and property damage claims resulting from at-fault accidents. It may also help cover legal defense costs and eligible settlements, up to your policy limits.
Is Auto Liability Insurance required for commercial trucks?
R: Yes. Most commercial trucking operations are required to carry Auto Liability Insurance to comply with federal and state regulations. Required coverage limits vary depending on the type of freight, vehicle, and operating authority.
Does Auto Liability Insurance cover damage to my own truck?
R: No. Auto Liability Insurance is designed to protect others when you're legally responsible for an accident. Damage to your own commercial truck is typically covered under Auto Physical Damage Insurance, which includes Collision and Comprehensive Coverage.
