What Insurance Do Owner Operators Need?

Owner Operator Truck Insurance Roseville, CA

Owner Operator Truck Insurance Roseville, CAIf you run a business as an owner operator truck driver, chances are you’re pretty busy. The nationwide shortage of truck drivers continues to get worse leaving your schedule full. With your busy schedule you probably don’t have time to worry about whether your insurance coverage is sufficient and up to snuff for your growing enterprise.

Fortunately, Network Truck Insurance Services, Inc. offers a full array of truck insurance coverages to keep you protected on the road.

For Owner Operators who are working under their own authority, we offer great mandatory as well as options insurance coverages. Some of these insurance coverages:

  • Liability Insurance
  • Physical Damage coverage
  • Motor Truck Cargo Insurance
  • Motor Truck General Liability Insurance
  • Uninsured Motorist Insurance

It is possible your motor carrier will provide you with these coverages too, but be sure to get a copy of what is provided and talk to your Network Truck Insurance Services, Inc. agent about owner operator insurance coverages you may need.

  • Non-Trucking Liability insurance
  • Physical Damage Coverage
  • Motor Truck Cargo Insurance

Network Truck Insurance Services, Inc. works with the top truck insurance companies in the nation. We offer comprehensive solutions for trucking and business insurance.

5 Things to Consider Before you Switch Your Insurance

Switching insurance companies in Roseville, CA

Switching your insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch.

Tip #1: Compare Apples to Apples

You’ve seen the commercials – “average savings of $500 a year for those who switched…” Absolutely you can save money. However, be sure that your new quote compares your current policy to the new policy – all coverages, driving records and vehicles the same. Any one thing can make a big difference. Many companies will try to lure you with great savings, but a CLUE report (comprehensive loss underwriting exchange – also known as your claims history) is not completed until after the application is submitted. Online companies are notorious for doing this.

Tip #2: Status Changed

If you’ve recently received a ticket or an accident, moved or purchased a new vehicle, have your current policy changes made prior to shopping. It is entirely possible that your new ride may get you some savings, or result in a price increase. In addition to this, if you’ve recently had a ticket fall off of your driving record, it would be worth calling the company to see if they can remove it now and save you some money for the remainder of your policy term. Regardless, if something changes, be sure to revert to tip #1.

Tip #3: Work with an Independent Insurance Agent

Independent insurance agents are discount detectives and have access to multiple companies. Even better, they know your current situation, history and can give you recommendations across many of their companies. They can compare rates between each of their carriers and let you know the benefits of each company.

Tip #4: Multi-Policy Discounts

When you’re looking for a new policy, be sure to take all things into consideration. You may be focused on your auto insurance, but if you have a package policy (multiple policies with the same carrier) you are likely getting discounts. If you move your auto insurance policy to another carrier, your home insurance may increase as much as 20% eliminating any saving you received. Take all of your policies into consideration. One additional item to consider here is if you have an umbrella policy, this is typically required to follow your home insurance policy. Some carrier require the home and auto to write the umbrella, so talk to you agent about your specific situation.

Tip #5: Your Relationship with your Agent

Knowing your insurance agent and having a business relationship with them is important. They are the ones who will go to bat for you in the event you have a claim or accident. Often times they can help you file that claim or give you recommendation on local companies to help fix your issue. If you have your insurance directly with the company handling your loss, you don’t get this representation. Having a local independent insurance agent is the way to go.

Have questions? Contact an agent at Network Truck Insurance Services, Inc. in Roseville, CA. Our agency specializes in truck insurance. Contact us for a policy review or a free quote.

Move Over Laws

Truck Insurance Roseville, CA

Truck Insurance Roseville, CAAll fifty states in the country have implemented move over laws to protect first responders, tow operators and police officers along highways. This law requires drivers to give a one lane safeguard for stopped emergency vehicles. If you fail to move over, you could be pulled over and receive a moving violation.

The “Move Over, America” laws is in partnership with the National Safety Commission, The National Sherriff’s Association and the National Association of Police Organizations. While the law is more about protecting our law enforcement that it is to penalize drivers who don’t obey the laws, it was put into place to protect our officers after 150 officers had been killed by other drivers since 1997 *

According to a national poll by Mason Dixon Polling, 71 percent of American have not heard of the move over laws, while 86 percent of people support them.

Helping to protect our law enforcement officers is everyone’s job. If you’re an experienced trucker, you likely already know this law. From time to time, you may get stuck and be unable to move over. This is understandable so be sure to slow way down so the officers can see you approaching and passing. Drive by example to make our highways safer for everyone.

Have questions about your truck insurance? Contact an agent at Network Truck Insurance Services. We’ll answer your questions and find you the best coverage for your needs.

*https://www.nationalsafetycommission.com