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Primary Liability
Motor Truck Cargo Insurance
Non-Trucking Liability/Bobtail Coverage/Dead Head Coverage
ICC Authority/MC #'s/ DOT #'s
Primary Liability
What does Primary Liability
Insurance cover?
This coverage option protects you from damage or injuries to other people
as a result of a truck accident. You select your limit of coverage at
the time of purchase.
What Primary Liability limit do I need?
Tractor Trailers require a limit of $750,000 for operation, all other
vehicles require coverage amounts according to the laws in their base
state.
Is Primary Liability Coverage required
by law to operate my truck?
Yes.
Am I covered if I travel over state
lines?
Yes, coverage will carry over state lines.
What determines the premium of my Primary
Liability Coverage?
Premiums for Primary Liability coverage are determined by several factors
including:
- Driving Record
- Garage Location
- Limit of Liability Coverage Desired
- Type of Operation
- Condition and age of equipment
How long will it take you to bind my
policy?
It depends on your exact situation. Many policies can be bound in less
than 24 hours; others may take slightly longer.
How do I add or delete a driver from
my policy?
Adding a driver to your policy requires a formal request from the insured.
Obtain the drivers name, date of birth, and license number and then use
the ADD A DRIVER link on our website or fax the information along with
a written request to add the driver to 503-802-4238.
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Motor Truck Cargo Insurance
What does Motor Truck Cargo Insurance
cover?
Cargo Insurance covers the cargo you are hauling for a shipper, up to
a set limit pre-determined by you at the time of policy purchase.
Am I required by federal law to carry
Motor Truck Cargo?
No. It may be required by the company doing the shipping though.
What determines the limit of Motor Truck
Cargo I should carry?
Ask the company you are hauling for what their cargo coverage requirements
are.
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Non-Trucking Liability/Bobtail/Deadhead Coverage
What is the difference between Non-Trucking
Liability, Bobtail, and Deadhead Coverage?
These are all different terms for the same type of coverage. They provide
coverage protection for your truck when you are off the job (i.e. Getting
the truck washed, repaired). While you are working, the company you are
leased onto is responsible for your insurance coverage.
What do I need in order to obtain Bobtail/Non-Trucking
Liability Coverage?
- A permanent lease agreement (longer then 30 days)
- Truck year, make, VIN #
- Drivers Name, License #, Date of Birth
- Loss Payee information (for physical damage only)
- 3 Years of experience in most cases
Why do I need Bobtail/Non-Trucking Liability Insurance?
The
company you haul for only covers your insurance when you are
working or hauling for them. When you are not working (i.e.
getting repairs, getting the truck washed) the bobtail/Non-Trucking
Liability Policy covers you.
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ICC Authority/MC Numbers/DOT Numbers
What is ICC Authority/MC Authority?
Before you can legally operate as an interstate regulated carrier, you
must be granted permission from the Federal Highway Admission in Washington
DC. Your ICC authority, is permission granted by the federal government
to transport regulated freight across state lines (Interstate).
Who is required to have ICC Authority/MC
Authority?
Any vehicle operating for hire in interstate transportation of regulated
freight or passengers must have operating authority.
What is the minimum insurance coverage
required to obtain an MC #/ICC Authority?
- For Vehicles with a Gross Vehicle Weight Rating (GVWR)
of 10,000 pounds or more:
- $750,000 (BI &PD) for General Commodities (non-hazardous)
- $1 Million (BI &PD) hazardous except class A & B
explosives
- $5 Million (BI & PD) Class A & B explosives, Hazardous
materials transported in specified capacities in tanks or
hoppers and/or any quantity of hazardous materials as specified
in 49 CFR 173.403 of the Federal Motor Carrier Regulations.
- For vehicles with a Gross Weight Rating (GVWR) of less
than 10,000 pounds:
- $300,000 (BI & PD) for general commodities except
any materials listed below.
- $5 Million (BI & PD) Any quantity of Class A or B
explosives, for any quantity of Poison Gas (Poison A) or
highway route controlled quantity of radioactive materials.
- Common Carriers: Must carry minimum liability as listed
above plus $10,000 cargo insurance.
- Broker Authority: Brokers must maintain a surety bond or
trust fund in the amount of $10,000. We can arrange this
for you.
What is Single State Registration?
Those motor carriers operating for-hire under permit or certificate issued
formerly by the Interstate Commerce Commission (ICC) and now the Federal
Motor Carrier Safety Administration FMCSA), must participate in the
Single State Registration System (SSRS Program). This program replaces
the "Bingo Stamp Program" which had been in effect for a
number of years.
The Bingo Stamp Program required each carrier to contact and
meet each state's requirements for registering their ICC Operating
Authority. The SSRS Program creates a single point contact
with a base state for motor carriers to register their authority
in all states they need to operate in. The base state is determined
by the principal place of business of the motor carrier. If
the motor carrier's base state does not participate in the
program, then the base state must be the state in which the
carrier operates the most vehicles. This program simplifies
the reporting requirements in that insurance and resident agent
information has to be on file in only two places; the FHWA
and the base state. Carriers must contact their base state
to add states or vehicles to their receipts. The base state
will issue a receipt to be carried in each vehicle. The receipt
will list all states that the carrier is authorized to operate
in. The carrier may reproduce the receipt as many times as
the number of trucks he has paid for. Carriers must pay a fee
for each state determined by the state fee multiplied by the
total number of vehicles to be operated in each state.
Who must Apply for DOT numbers?
All motor carriers operating a Commercial Motor Vehicle in interstate
or foreign commerce must be assigned & display a USDOT Number before
interstate operations begin. This includes all interstate private,
exempt, for hire and passenger motor carriers. Motor Carriers operating
intrastate transporting any placarded hazardous materials must also
comply.
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