My Child Is Delivering Food With His Car. Do I Need to Share This With My Insurance Agent?

Insurance Coverage you need if delivering food with your vehicle in California

Insurance Coverage you need if delivering food with your vehicle in CaliforniaIt is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.

Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers. For this, you need a commercial auto policy.

A commercial auto insurance policy is needed for:

  1. Freight delivery
  2. Food delivery services
  3. Courier delivery services
  4. & many more!

Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.

When deciding what coverage you need, ask yourself these questions:

  1. Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
  2. How are you using this vehicle? Delivery drivers need a commercial insurance policy.

Your best bet is to talk to a licensed agent in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with.

Preventing Injuries With Your Trucking Business

Best Truck Insurance Rates in California

Best Truck Insurance Rates in CaliforniaTrucking is a satisfying and independent business much of the time. You travel from place to place hauling cargo for businesses and consumers alike, essentially keeping our economy moving. Sometimes you put in long hours so ensuring your safety is a top priority. Here are some safety tips to ensure you’re safe on the open road the next time you hop behind the wheel.

Inspect Your Equipment

Inspecting your equipment can prevent more than just injuries to yourself. Insecure loads, worn-out straps and tie down points can cause your load to shift or come off your trailer. Completing regular walk-arounds of your equipment before each time your drive it can be an easy prevention strategy.

Buckle Up

According to the Department of Transportation, nearly half of all truckers fail to use a seatbelt while operating their trucks. This simple safety technique can not only help to prevent injuries, but could save your life.

Wear proper safety Equipment

Utilizing proper safety equipment is a simple strategy to avoiding injuries. Things like non-slip, steel toed boots and shoes, gloves and hardhats are examples.

Back Safety

Teaching your crew or learning yourself proper techniques for lifting as well as driving posture can help you avoid back issues.

Enter & Exit Truck

Requiring your drivers and yourself to enter and exit trucks using the three-point-contact.

Incident Investigation

If you’re the owner of a trucking business and have other drivers working for you, it is essential that you investigate any safety or work injury incidents appropriately to ensure it doesn’t happen again.

Not all injuries can be prevented, but using these simple strategies for both yourself and your drivers can help control insurance costs as well. Network Truck Insurance Services in Roseville, CA works with the top truck insurance companies in the nation. Contact us to get a free truck insurance quote or policy review.

Understanding Trailer Interchange & Non-owned Trailer Coverage

It is common in the trucking industry for truckers to use trailers belonging to others in their business. All of our coverage forms extend liability coverage to non-owned trailers while attached to a covered auto. However, in many instances truckers are responsible for any physical damage that may occur to the non-owned trailer while it’s in their possession as well. Physical damage for non-owned trailers is not inherently including in your liability policy- it must be added to your policy separately.

There are simple additions we can make to your policy to cover non-owned trailer physical damage.

*Trailer Interchange- Trailer interchange is the most common with the UIIA (Uniform Intermodal Interchange and Facilities Access Agreement). Trailer interchange does extend to liabilities an insured may incur for damages to a trailer while it is in his possession, and does not require that the trailer be attached at the time of loss. It also includes “containers” under the definition of trailers, so it is used most often for intermodal operations where the equipment includes both a trailer chassis and container. Trailer interchange does require a “written trailer or equipment interchange agreement” be in place at the time of loss, so it may not extend to all situations when a trucker has a non-owned trailer in his possession.

*Non-owned trailer Physical Damage- This coverage extends over a covered auto and “any non-owned trailer while attached to the covered (or scheduled) power unit”, and usually lists a limit of maximum physical damage coverage amount for the non-owned trailer. The advantage of this coverage is no written agreement must be in place. It is important to understand that the non-owned trailer must be attached to a covered power unit at time of loss for non-owned trailer physical damage to apply.

If you have any questions about pulling non-owned trailers or otherwise, feel free to call us at Network Truck Insurance Services and we will be happy to assist you in making sure your insurance policy fits your needs!