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With Commercial Truck Insurance, You Need Diverse Policies For Different Drivers

There are many factors to consider when shopping for commercial truck insurance. The type of insurance policy you need is determined by the type of industry you work in and your employment status. Trucking is a highly diverse industry which is why truck insurance comes in many forms. This allows a commercial truck insurance company to meet the needs of different truckers by providing the coverage they need based on common safety regulations and local laws.

Trucking companies may handle one specific type of cargo, such as liquid chemicals, building materials or refrigerated produce, for instance. Some companies haul several different types of general freight. There are also a few different types of specialized trucks, including tow trucks, construction vehicles, and dump trucks. These vehicles do not haul any cargo.

Each one of these subcategories of commercial trucking needs to have their own coverage amounts for financial responsibility in case of an accident and to meet with regulations. Regulations, laws and the cost of damage, may make separate or specialized insurance policies a necessity. Here are a few examples of specialized coverage options.

Building Material Hauler Insurance

A construction vehicle may haul building materials to and from work sites. This type of truck may require cargo insurance and truck liability insurance. Typically, the motor carriers working in construction may need a building materials haulers insurance policy for their non-cargo vehicles.

Produce Haulers Insurance

This coverage is for refrigerated trucks that haul perishable foods. The food industry has a large number of commercial trucks on the road every day. These trucks need a blend of physical damage commercial insurance and liability insurance, to cover damage, spoilage, and damage to refrigeration equipment.

Tow Truck Insurance

Tow trucks need liability insurance to cover damages to the vehicles being towed. They also need selectable coverage clauses and liability insurance for the tow truck itself. These types of policies are based on the frequency of use and the capacity the tow truck was used in. Read more information about tow truck insurance cost from here: http://www.buriedcar.com/tow-truck-insurance-cost/

Commercial coverage is not just for major corporations, Individuals also need this type of insurance, although their policies vary greatly from the policies purchased for large motor carriers that have fleets of trucks and dozens of employees.

Motor carriers must provide their drivers with adequate injury, liability, and physical damage coverage. They also need to protect their assets, such as their cargo, trailers, and trucks. The assets need to be protected against vandalism, theft, and damage.

General Liability and General Freight Insurance

These are two forms of commercial truck insurance. They are the basic coverage options for motor carriers. General liability insurance covers your business in the event harm or damage occurs during day-to-day business operation. General freight is a blanket insurance policy that covers all lines of cargo.

Independent haulers need to protect their trucks with physical damage insurance. They also need to maintain some forms of liability coverage when they are not actively employed or are contracted by a large company. Typically, a motor carrier will bear the financial responsibility for an independent driver under commission. This type of policy is called bobtail insurance. This is a good option for an independent hauler who wants to stay covered when theyre not on the job.

Auto Body Shop: Choosing The Right Shop

Choosing a body shop calgary for the needs of your vehicle is essential. For most that have a car, the convenience of been mobile is simply not negotiable. If something happens to your car, having trusted hands to get it back running is essential.



When choosing an auto body repair shop, it is important to have the one that is closer to you. This way, if your car has problems, repairs are easy to maintain; not to mention, if you are in a car accident near your home, it is easier to get your car home. In addition, that a store is close to your garage, you are more likely to have revised their regular car preventative maintenance. You can have an oil change and car checked more frequently. If your shop is near your home, there is possibility that you are more likely to have access to promotions; Such as brake service and free general checks on cars. With this routine maintenance on your vehicle, the tendency of going for major repairs would less.

Regarding vehicles, let only qualified maintenance personnel repair your car. Look for auto body shops that have ASE certified technician on board. This certification will let you know if the technicians are qualified to perform certain services, such as repair of brake, tune-up for manual car, changing of oils and every other thing under the hood. The certification awarded would give you the impression that the repair is been handles by qualified mechanic and it would be done properly and efficiently. You can also check the Better Business Bureau and the number of complaints against that particular auto body repair shop. The information gotten there can lend insight on the kind of work provided by the shop you want to choose.

It is important that the warranty on your car check will not be canceled in the process of choosing an auto body repair shop. Some shops are not certified for maintenance repairs, which would void the warranty. There are shops that are properly recognized by the manufacturer of your car and it is important to go to a car repair shop that is entitled to the warranty under the terms of repairing vehicles. Contact your car manufacturer for approved workshops that are close to your area.

Also consider the cost of the work that the auto-repair shop offers. Make price comparisons between 2 or 3 shops could help to optimize your decision and will also help you stay within the budget for your car. In addition to choosing the best labor work, choose an auto body repair shop that provides quality services and warrantees. Finding the cheapest auto body repair shop in Calgary can be a challenge, but if you make sure the above points are properly covered, you will be successful in finding a reliable shop.