How to Determine If You Need Comprehensive or Collision Coverage On Your Auto Policy

Commercial Auto Insurance Roseville, CAWhether you are searching for car insurance, shopping for a lower car insurance rate or just need a new plan, you’ve come to the right insurance agency.

Our agents will shop to find the best insurance rate & coverage for your specific needs. Plus, we can search for many discounts, particularly if you are bundling multiple policies like an auto & home or renters insurance together.

When it comes to shopping for car insurance, there are many options for coverage. You could get the bare minimum for car insurance or you could have full coverage for your policy. Each state varies with what is required for minimum car insurance coverage but the minimum will include bodily injury liability & property damage coverage, it is up to you to decide how much of it.

What about collision & comprehensive coverage for your auto insurance policy?

Collision insurance coverage will cover your vehicle if it is damaged when it collides with something. Examples: colliding into another vehicle, a tree or a guard rail. Your insurance coverage will pay for repairs or even replacement of your vehicle in the event of a total loss.

Comprehensive insurance coverage covers most other damages besides collision that could happen to your vehicle. Example: your car catches on fire, something falls on your car like a tree, collisions with an animal, your car gets vandalized or you experience car theft. There are a few exclusions, so be sure to discuss with your agent what those might be.

When it comes to deciding if this coverage is worth it, a few things to ask yourself:

  • If I didn’t have this coverage, do I have the finances to pay out of pocket for the repairs or replacement of my vehicle?
  • Do I have a loan? If so, comprehensive and collision coverage will be required by your finance company.
  • How valuable is my car? Would it be possible to replace your car if you didn’t have the insurance to pay for it?
  • Do I live in an area where car theft is common?

It is important to understand that all coverage and policy questions are specific to the policy that you purchase.  This article has been provided to help you understand how insurance works and does not imply every policy is the same or that coverage will exist. If you have more questions about your auto insurance policy talk to one of the licensed agents at Network Truck Insurance Services. We understand that insurance can be confusing, so we always want to make sure you fully understand what you are or are not covered for.

5 Driving Habits to Master Every Time You Get Behind The Wheel

Best Truck Insurance Rates in CaliforniaAccording the National Highway Traffic Safety Association, 391,000 individuals were injured & 3,477 were killed from distracted driving in 2015. Insurance premiums have skyrocketed because of distracted driving and increases in traffic accidents.  Distracted driving isn’t just talking on the phone or texting but can include reading articles or email, eating, brushing your hair, or any other way you’re trying to multi-task while driving.

Consider practicing good driving behavior by mastering these 5 habits every time you get inside your vehicle.

  • Put your phone OUT of reach when entering your vehicle.

The back seat or placed in your bag or purse inside your trunk, along with other belongings can be a good start. If you can’t fathom doing this, continue to ask yourself, “Can it wait?” every time you want to reach for your device. Most likely it can. It may help to put your phone on mute to avoid the desire to reach for it when it alerts you of an incoming call or new text message/email. If you feel you always have to be readily available to take a phone call, pull your car over & park it before answering the call.

  • Program your GPS or identify where you need to go before driving your vehicle.

Be sure to activate voice commands so your eyes can stay on the road 100% of the time.

  • Groom Before or After, Not While Driving or Sitting at a Stop Light

If you find yourself running late often & grooming last minute, transition yourself out of the habit of grooming while driving. Practice doing this once you’ve arrived at your location or before you even start your vehicle.

  • Eat While Parked

Don’t risk eating and driving. Instead, simple park your car and eat your meal before getting back on the road.

  • Be a Role Model for Your Friends and Family

Not only demonstrate to your kids how you do not drive distracted, but also explain the dangers of doing it. If you find yourself riding along with a friend or family member, speak up if the driver is using an electronic device while driving. Offer to deliver their text message for them, act as the co-pilot or make the phone call.

If we all practice safe driving habits, we will all be better off.

For questions about trucking insurance, contact our office. We specialize in helping truck drivers and can shop to find the best coverage for your needs.

Six Things to Do If You Get Into a Car Accident

Being in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, and obtaining proper documentation helps support a claim. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation.

Preventing Commercial Auto & Truck Theft

Trucking Insurance Roseville, CaliforniaWhen it comes to preventing theft with your commercial truck or auto, the old saying goes, prevention is better than cure. Each year in the U.S., there are millions of dollars in theft of commercial vehicles as well as commercial vehicle cargo.

So, what can you do to prevent theft of your cargo or commercial vehicle?

Leaving the vehicle unattended in a parking lot waiting for delivery can be an easy target for thieves. Crimes of opportunity occur when the vehicle is parked even for short periods of time and someone quickly gets away with some cargo, or in rare instances, the entire vehicle.

Educating your employees about common crimes, theft and schemes that exist is important and your first line of action. There are instances when thieves will try to collude with the driver in order to partner with them and split the profits from stealing the cargo. If your drivers are aware of the schemes and the consequences they may be less likely to commit the crimes.

Preventative measures such as not leaving the trailer detached from the tractor in remote or unsecured areas as well as using security devices like Air Cuff Locks can help. There are also high-security container lock systems as well as GPS technology to help locate a stolen container and trailer.

While more complex scams exist, securing your vehicle is always the first step of prevention.

What Coverage Do You Need For Theft on Commercial Vehicles?

If you’re the victim of commercial truck theft or cargo theft, be sure that you have the right insurance policy to protect your vehicle and the valuable cargo.

Cargo insurance provides a cost effective way to cover your customer as well as yourself from physical loss or damaged goods in transit. It is important for you to discuss with your agent what company can insure your goods from theft as well as damage in transit.

Comprehensive Insurance can provide you with coverage for your vehicle and trailer in the event that they are stolen.

Understanding your commercial truck insurance as well as cargo insurance is critically important to your success and business. Talk to a licensed agent in our office about these coverages and others that are available.

How Commercial Trucks & Vehicles Insurance Premiums Are Calculated

Best Commercial Truck Insurance Rates in CaliforniaWhen it comes to insuring large commercial trucks and vehicles, dealing with an experienced insurance agent will provide you with an understanding of your commercial truck coverage options and getting a better price on your commercial truck insurance.

Insuring a tractor trailer or semi-truck is very different than getting insurance on a pickup or SUV. In fact, many factors and discounts that come into play can include:

  • Weight of truck
  • USDOT authority
  • Coverage requirements
  • Cargo being hauled
  • Vehicle Type
  • Driving & CDL experience
  • Years in business
  • Credit history
  • Ticket & accident history
  • Distance typically driven
  • How you choose to pay
  • Prior insurance history

If you’re looking to get lower insurance premiums, there are some things that you can do.

  1. Clean up your driving history: Clean drivers have lower premiums. Period.
  2. Pay In Full: Paying your insurance premium in full (when possible) can provide massive discounts.
  3. Raise deductibles: Increasing your deductibles essentially shifts some of the risk to you. This can lower your premiums.
  4. Work with an agent who specializes in truck insurance: Insurance agents are discount detectives and want to help you get the most coverage for the best price. You won’t pay more for working with an agent either.

Questions to ask your agent:

Our licensed commercial truck agents will tailor a policy to meet your insurance needs as well as the contractual needs that you have. Be sure to have an open conversation with your agent including your driving history as this will always come up when a clue or motor vehicle report is run.

Let us help you find the best rate on your commercial truck insurance. We’ll dig for discounts, search our network of commercial truck insurance carriers and help find you the right coverage at that right price.

What Insurance Do Owner Operators Need?

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 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, 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

Truck Driver Shortages

California Truck Insurance AgencyOur nations national disasters from hurricanes in the Gulf Region to floods in Texas have added to the already existing truck driver shortage problem in the U.S..  Additionally, the new hotly contested mandate for ELD that took effect in December of 2017 has further impacted this shortage.

Truck driver shortages likely means increased salaries and increased shipping costs for consumers and businesses. According to a report by the American Trucking Association, the driver shortage is expected to surpass 50,000 drivers and if the current trend holds, by 2026 the industry will be short 174,000 drivers. Taking into account driver turnover and retirements, this means that over the next decade almost 900,000 new drivers will be needed.

Truck driving is a rewarding profession with competitive pay and allows many owner-operators the freedom from the corporate world. It is also one of the most stable professions out there. If you’re considering becoming a truck driver and owning your own business, talk to one of our licensed agents about your interest & we can shop for truck insurance. We can help you understand the costs of running your business as well as finding out of this field is right for you.

ELD Mandate Device Compliance

In December of 2017 the mandate for ELD (Electronic Logging Devices) started. While many devices claimed to be compliant, how are you to know what devices are FMCSA certified and which ones are not? The FMCSA recently provided a checklist to consider before selecting a device for your truck.

Before you purchase an ELD, have the vendor confirm that it:

  • Provides separate accounts for drivers and administrative (non-driver) ELD users
  • Has “integral synchronization” with the engine control module to automatically record engine power status, vehicle motion status, and other data
  • Automatically records all driving time and at intervals of 60 minutes. Records date, time, location, engine hours, vehicle miles, and driver identification
  • Reduces location accuracy to a 10-mile radius when vehicle is used for authorized personal use
  • Records location with an accuracy of one-mile radius during on-duty driving periods
  • ELD time is synchronized with UTC (coordinated universal time)
  • Retains data for the current 24-hour period and the previous 7 consecutive days
  • Prevents tampering; does not allow anyone to alter or erase information originally collected for driver ELD records
  • Prevents tampering; does not allow anyone to alter or erase information originally collected for driver ELD records
  • Requires driver to review unidentified driver records – and either acknowledge assignment of this driving time, or indicate that the records do not belong to the driver
  • Allows a driver to obtain a copy of his/her ELD records on demand – either through a printout or electronic file
  • Supports one of two options for electronic data transfer:
    • Telematic Type: using wireless web services or email
    • Local Transfer Type: using USB 2.0 or Bluetooth
  • Displays all required standardized data to authorized safety officials on demand – through a screen display or printout that includes three elements: a daily header, graph grid showing driving duty status changes, and detailed daily log data. The graph grid, if printed, must be at least 6 inches by 1.5 inches
  • Requires driver certification and annotation (written explanation) for any edits to records that are made by the driver or any other ELD user
  • Volume control or mute option for any audio feature

*Information checklist provided by the USDOT

The new rules and regulations regarding the ELD devices can be confusing. If you have any questions about this device feel free to call and ask to speak with one of our commercial truck insurance specialists or request a quote on our website.