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title: An Overview of Commercial Truck Insurance

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# An Overview of Commercial Truck Insurance
![](https://i.imgur.com/od5JLB2.jpg)

Generally, truck insurance refers to the protection of truck owners against loss or damage to their trucks. It also refers to the legal coverage truck owners need while they drive their trucks for hire over the road.  

This legal requirement also includes coverage to third parties in case of injuries, death or damage to their property. The FMCSA has required that $750,000 is the minimum auto liability coverage you need to drive any vehicle or truck for hire over the road and across state lines in the United States. However, most trucking companies have policies that offer more protection, typically $1,000,000 in auto liability, than the legal requirement on damages against a third-party property due to conditions from shippers and brokers.
Who needs **[commercial truck insurance](https://www.twgtruckinsurance.com/commercial-trucking-insurance)**?
Whether you are a fleet operator, an owner-operator, or you operate numerous trucks, you are going to need commercial truck insurance in Tennessee. Beyond being a legal requirement, your truck is also a huge investment that should be protected. Today you can use this commercial trucking insurance in Tennessee to protect against injury and damages caused by your truck or the truck itself.
Factors to consider before you choose your truck insurance policy 
Although price is important, there are other factors you should consider before you choose commercial truck insurance in Tennessee. Below are some other factors you should consider; 
●    You should ensure that the insurer is financially sound and able to pay for a covered claim in case things go wrong. An easy way to do this is to verify that you only get quotes from trucking insurance companies that are A Rated by AM Best.
●    You should ensure that commercial trucking insurance in Tennessee offers all the vital protection you need 
●    You should ensure that the agent recommended to you is a specialist in trucking insurance so that you can rely on the advice they provide
●    You should figure out the kind of service you expect from your insurer and agent so that you can know that your service needs, like endorsements and claims, are handled promptly.
The cost of commercial trucking insurance 
The cost of commercial trucking insurance in Tennessee can be pretty high; however, this varies depending on how much an operator pays from insurer to insurer. Other factors that can affect the cost may include the following;

●    The value of any of your trucks and trailers
●     How long you have been in business with your authority
●    Your length of haul
●     What state your business operates out of, and where your trucks are garaged.
●    The nature of your business activities, if it involves hauling hazardous goods, high-value freight, refrigerated freight, dry goods, etc.
●    Your driver's profile; their age, experience, and violation history in terms of moving violations and accidents
●    The camera system and telematics devices you may or may not actively deploy to improve and monitor your driving style and behavior 
What commercial truck insurance covers
Generally, commercial truck insurance in Tennessee should cover loss and damage to your truck, including third-party liability. However, some commercial trucking insurance policies provide different cover extensions, including the following;

●    Refrigeration Breakdown
●    Glass replacement
●    Tarps, chains, and binders
●    Lease Gap Coverage
●    Broken windsheilds 
●    Downtime
●    Personal Effects Coverage 
●    Medical expenses
Conclusion 
There are different reasons why you need to have this commercial trucking insurance in Tennessee. This overview will guide you through all you need to know.