PRK Insurance Agency Inc

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Comprehensive Trucking Insurance Coverage

Safeguard your trucking business with tailored insurance policies designed for the transportation industry. From cargo to liability coverage, ensure your fleet and operations are protected against unexpected risks.

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Frequently Asked Questions (FAQs) - Trucking Insurance in New York

What is trucking insurance?

Trucking insurance provides coverage for trucks and commercial vehicles used in the transportation of goods, protecting against risks such as accidents, liability, cargo damage, and more.

What does trucking insurance cover?

Trucking insurance typically includes liability coverage, physical damage coverage, cargo insurance, non-trucking liability, and coverage for medical payments and uninsured/underinsured motorists.

Is trucking insurance required in New York?

Yes, trucking insurance is legally required for commercial vehicles. The specific requirements depend on the type of freight being transported, the weight of the vehicle, and whether the transport is interstate or intrastate.

How is the cost of trucking insurance determined?

The cost is based on factors such as the type and size of the truck, the nature of the cargo, the driving records of the drivers, the distance traveled, the coverage limits, and the deductible amount.

What should I do if my truck is involved in an accident?

If your truck is involved in an accident, ensure everyone's safety first. Document the incident, gather witness statements, take photos, and contact your trucking insurance provider as soon as possible to file a claim.

Does trucking insurance cover cargo?

Yes, cargo insurance is typically included in trucking insurance policies to protect against damage or loss of the goods being transported. The specific coverage details can vary by policy.

Can I get discounts on trucking insurance?

Yes, insurers may offer discounts for having safety features on the truck, maintaining a clean driving record, implementing driver safety programs, and bundling multiple policies.

How can I lower my trucking insurance premium?

You can lower your premium by increasing your deductible, maintaining a claims-free history, implementing safety and training programs for drivers, and regularly reviewing your coverage to ensure it matches your needs.

What is non-trucking liability insurance?

Non-trucking liability insurance provides coverage for when a truck is being used for non-business purposes, such as personal use. It covers liability claims when the truck is not under dispatch.

What additional coverages should I consider for my trucking business?

In addition to standard coverage, you might consider adding bobtail insurance, motor truck cargo insurance, physical damage coverage, and higher liability limits to ensure comprehensive protection.

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