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Collision Truck Insurance – What Is It & How Does It Work?

Collision Truck Insurance – What Is It & How Does It Work?

Collision Truck Insurance is one of the most liked insurance in a policy because it helps drivers to pay for truck repairs even if they are at fault. It is seen almost everyone buys this insurance to safeguard their expenses, and also it is easily claimable. Due to its unexpected usage, the premiums can be high. Although you must note that it is not mandatory in any of the states in the USA, it is something the businessman buys to reduce expenses, which might strike them at any moment. This type of insurance is suitable for everything, but we are here going to discuss the insurance related to trucks and collisions related to them.Collision Truck Insurance - What Is It & How Does It Work?

What Are The Things Collision Truck Insurance Covers?

Collision truck insurance covers the trucks when they are either struck or hit something by themselves. Here is a list of things that will help you get the claim under Collision Truck Insurance:

  • Another vehicle – it can be anything
  • Telephones poles
  • Guard rail on the side of a road where you drive
  • Fences and signs at the corner of the road
  • Trees and shrubs at the end of the road and
  • Homes and other buildings built on the road

Do you know, as per the policy of the company you bought, it might cover all the expenses when it is a hit-and-run or when the vehicle is soiled or broken it will pay for all the repairs, and in some cases, it will pay for everything if they are done while the truck was on the road. We always advise getting a consult from an experienced agent because you should always know what is covered and what is not covered in the insurance.

What Are The Things Which Collision Truck Insurance Doesn’t Cover?

When you are not at fault, then also this policy will cover the expenses of the truck repairs, but here are a few places that the insurance won’t cover, and you need to buy different insurance policies for each type of claim you need:

  • Damages done to the other vehicle – will not be covered
  • Damages which is done to the pedestrian and animals by the truck
  • Damages are done by natural disasters like fire, theft, earthquake, storms, etc.
  • The insurance will not cover injuries that are done to the body of other vehicles

Now, let us discuss a brief difference between Comprehensive Insurance & Collision Truck Insurance.

Differences betweenComprehensive InsuranceCollision Truck Insurance
It CoversEverything which is not in your control.It covers only things pertaining to the truck owner.
It Doesn’t CoverIt covers everything.It doesn’t cover other than things pertaining to the truck owner.
Is It Needed?It is not required mandatorily by any state but depends on the vehicle owner.It is not required mandatorily by any state but depends on the vehicle owner.
How Much Does It Cost?It costs less than collision insurance.It costs more than collision insurance.
Which Is Important To Buy?Both should be bought to overcome all the expenses in the case of an accident.Both should be bought to overcome all the expenses in the case of an accident.
It Depends On The Place Where You LiveIf the trucks travel long distances and are in high-risk areas, both are needed to be bought.If the trucks travel long distances and are in high-risk areas, both are required in order to be bought.
DeductibleYesYes, it is
The Limit of the coverageActual value of cashActual value of cash

Let us explain to you with an example why you should get both insurances for the smooth functioning of your business.

Imagine Alan’s truck met with an accident, and the owner of the other truck is entirely at fault. Then the driver’s liability insurance will come into effect, and that policy will pay the expenses. Once you know that the other driver is at fault, you file a claim from the insurance company. Now you realize that the insurance cannot pay for all the expenses, the collision truck insurance will come into effect. While the collision will pay for the truck’s repairs, the comprehensive will pay for the rest of the expenses.

Do You Really Need Collision Truck Insurance?

As you must have seen, many insurance types are dependent on the value of the vehicle and the types of accident which has happened; the value diminishes with time, as well as how many claims you have already taken on the truck as per the driving license. If you do not have a loan or a lease that is required, this Collision Truck insurance will cost you a fortune, and the value you will get after the claim is filed will be way less than the amount of the premium you have paid a lot more.


Q1. Is collision insurance required?

Ans. No, there is no state which has made collision insurance mandatory for the truck owner. But there is no harm in buying one with comprehensive insurance as it covers complete insurance of the trucks that are involved in the accident as and when that happens.

Q2. Can you drop the insurance?

Ans. One can drop the collision insurance because when the total amount of the insurance gets higher than the market value of the vehicle, that is when the need for this insurance becomes redundant. 

Q3. Does collision insurance cover the vandalism of the truck?

Ans. It is not covered as it has only become active at the time of the accident, but comprehensive insurance can help you out as it might cover as per the terms and policy of each insurance company.

Q4. Do you need collision insurance for an old truck?

Ans. The truck’s age is not a good variable to decide if you need collision insurance because even a 15-year-old truck will be needed to have it like the brand new one. In both cases, the law doesn’t require one, but it is always good to have comprehensive collision insurance to protect the whole vehicle from all the problems that might come along the way. 

Q5. Does collision insurance cover rental trucks?

Ans. If you have collision insurance coverage, the rental car might be covered, but then you have to check with the state and the insurance company policies before making a decision.

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How Does Motor Truck Insurance Work?

How Does Motor Truck Insurance Work?

Motor Truck Insurance is one of the most term topics getting searched all over the internet. From small semi trucks to longer trucks, everyone needs truck insurance for their businesses. It is known that many people do not look at the terms and conditions of the truck insurance policy before buying it, but this is one of the most crucial things one needs to do because, in the latter end, one should not be able to grasp the mind around the terms and policies when the unexpected knocks your door. Let us first understand the different types of trucking insurance.How Does Motor Truck Insurance Work?

Types of Motor Trucking Insurance

  • Primary Liability Motor Trucking Insurance –

    This insurance covers the medical and repair expenses for the other party with whom the accident has happened. The inflicted party can claim from this policy as per the amount you have fixed with the insurance company at the time of buying them. This is a must by the state itself because without it; the trucking business cannot be made legal as per the law.

  • General Liability Motor Trucking Insurance –

    This type of insurance covers all the other types of injuries which happen in your own business with your staff and truck driver, like loading accidents, unloading accidents, off-road accidents, mishappenings in the loading dock, slip-ups, and everything else which you can think of.

  • Bobtail Trucking Motor Insurance –

    This is the type of insurance in which the insurance company covers your trucks when they are running off working hours. It is seen when there is a workload to reach the location on the designated time, and yet, there is a delay, so to cover that time, the truckers are forced to work overtime.

  • Physical Damage Motor Trucking Insurance –

    This insurance is the type when there is damage to your truck, and this is caused by thefts, vandalism, accidents, and many more. If you realize the truck is not working properly, and you have a good amount of insurance against it, you can also get a new truck in its place if you haven’t claimed or used any insurance money before this time.

  • Motor Cargo Motor Trucking Insurance – 

    This insurance covers the cargo and the good which your trucks are transporting from one place to another. The cargo can be lost or destroyed during transportation, so to protect it from such areas, the driver should also be careful and not leave the truck unattended.

How To Find Cheapest Commercial Truck Insurance?

As you know, it is difficult to find the cheapest policies. You can contact Mayflower Insurance Services to get the cheapest rates if you are looking for the best-tailored commercial truck insurance. With almost 20 years of experience selling insurance services, we have been the market leader in getting you the best of everything you need in one place. You can read a number of factors that decide the premiums you need to give to the companies:

  • Driving license
  • Driving records of the drivers
  • How many times have you taken the claim
  • Age of the vehicles
  • The condition of the trucks
  • Location of the company
  • States in which the company does the business

How Can You Save Money On Truck Insurance?

You must be wondering how costly it is to get the truck insured with Motor Truck Insurance, but what if we can help you cut down the list with these few options which you can follow and get the lowest rates:

  • Always go and ask for the fixed premiums which have to be paid because variable premiums can give you a headache
  • Always try to pay up for your insurance rather than paying in installments because once the mental pressure is done, it gives relief, and there will not be aunty interest to be paid to the bank or anyone for the installments.
  • Always ask for discounts from your agents as they know how to get good discounts and if you are still unable to get them, contact our agents and get good rates.
  • Always talk about the security or safety program because, many a time, the company can help you put your policies under protection from 3rd parties.
  • Never state the truck’s value, which is higher than expected, especially with the accidents, as they do not help in getting better claims values.
  • It is always the first thing to get insurance for the older trucks than the new ones because the old ones are something that can always break, unlike the new ones you have recently purchased.
  • You can also ask the drivers and maintain a proper record of the drivers because it will be a good factor in reducing the prices. An immaculate record can get you low premiums and low insurance cost, which must be paid to the company.
  • Always ask the insurance company’s opinion about parking the trucks because they usually have designated stops which can help you to reduce the costs as well as there are fewer chances of burglary, loss of cargo and truck in the places explained by them to you. Moreover, if something happens, it is easy to get a claim from the company.
  • It is always good to get a new and better truck rather than getting and using the old ones because the older they get, the resale value reduces, the more chances of accidents, more mishappenings, and fewer safety features as the new ones. Also, with new trucks, 

The insurance premiums are less because they are new. 

Why Do You Need A Motor Truck Insurance Policy?

Once you have the quotes and have followed the above steps, you can check our rates for the policies. What if we can reduce the cost further for you because we can get you the policies which are as per your requirements? Certain services you will never need have been added to the list; what if we can get you exactly what you want and reduce the cost?


Mayflower Insurance Services were started by Mr. Ashok Vaja, who has always dreamt of providing the best services one needs for trucking insurance. We do not sell Motor Truck Insurance. We provide the customer with a clear picture. We are independent agents in over 20 states which can help you get the best insurance. We are in Arizona, Indiana, Ohio, Illinois, Michigan, Tennessee, Kentucky, Missouri, New Jersey, South Carolina, North Carolina, Georgia, Alabama, Florida, Pennsylvania, Texas, and coming soon.


Q1. What do you mean by Motor Truck Insurance?

Ans. Motor Truck insurance is the safeguarding of your trucks from unexpected calamities.

Q2. What do you need to buy Motor Truck Insurance for old trucks?

Ans. For old trucks you should always have truck insurance because you do not know when they will break down.

Q3. What is covered in Motor Truck Insurance?

Ans. It depends upon your policy and the company which is providing you the truck insurance.

Q4. How can you claim ?

Ans. Every company has their agents and their own policies and SOPs, but you need to inform your company after the mishap.

Q5. How can you pay for Motor Truck Insurance?

Ans. You can pay online on the company’s website or through your agent. Always ask for the receipt.

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How is Truck Insurance in Florida Changing The Landscape?

How is Truck Insurance in Florida Changing The Landscape?

The trucking business comes across a lot of problems which come when running a business. It has been seen that every day there are truck accidents all across the USA. You must have noticed truck insurance in Florida, as there are many trucks that are bound to and fro from there. Are you trying to find the best rates for buying commercial insurance for your business? Then you are at the right spot.How is Truck Insurance In Florida Changing The Landscape?

Things You Need To Get A Free Quote

You will need to have very few things to get a free quote for your truck and how much it will cost you.

  • #DOT Number, which is the number given to you by the Department of Transportation
  • (VIN) Number, Year, Make, and Model Tractor and Trailer Vehicle Identification Number
  • Commodities
  • Driver and Owner Details – Name of the person who will be driving, Date of Birth, and Driver’s License Number, which is given by a recognized government agency
  • & Request limits, physical damage, and cargo coverage?

If you want to upload the documents, you can do so, as our forms use the highest security measures to give you the most secure place to store your documents.

Once we have all the information which is needed, we will find the best-customized truck insurance in Florida policies, which will help you determine which one will be the best for you and your business and which can safeguard your trucks and the business as and when required.

We will look into how many truck accidents the driver has been into, how many times your business has claimed in the other insurance policies, and also how is the credit score of your business which not only gives us the financial cash flow of the business but will help you get the true picture without any top-notch frills. It is just this simple.

What Trucking Liability Insurance Policy Will Cover?

Like most insurance companies, you should know the things covered in trucking insurance to give you a quick preview because no one likes surprises when the policy is really needed. For truckers, the coverage is a must, ranging from thousands to millions depending upon the type of cargo and the time.

Different coverages will help you safeguard some of the different kinds of trucks, and you can choose which one best suits your business. Here are some of them to help you out with each of them:

  • It is seen for general insurance where the materials are not hazardous; the minimum liability is $700k or so (the rates changes with time and as the old history with other insurance companies)
  • If the truck is transporting household items, then the liability coverage is almost around $300k
  • Now, if your trucks are transporting oil, gas, or something like that, you should have a minimum of $1 million liability.
  • If you have a business carrying hazardous chemicals, the minimum liability is $5 million, and that is just the starting everything depends on which substance, gas, or liquid you are carrying, which is more hazardous, and depending on that, the cost will be decided. 

What are the things the liability insurance will cover?

  • Any property damage which is going to happen to the other vehicle that was involved in the accident and also if there is a collision, everything that is needed to repair the other vehicle
  • It will also cover the costs of medical bills and injury or death in that case if it happens during the collision. The insurance company is only liable to pay the expenses per the policies’ terms.

Personal Injury Coverage – what will it have?

It is always recommended by the authorities and the insurance agents that one should have personal insurance coverage as well because it will help to ensure the person without determining the fault of any of the parties involved in the accident. The insurance company generally covers the hospital expenses, wages that are lost during the hospitalization, and home services in case of death during the collision.

The truck owner is, therefore, then you cover the truck liability and personal insurance. If you are the truck owner, then the state will cover all the expenses of the accident in case the driver expires during the incident.

What are the Additional Insurance Liabilities?

  • Payments to the healthcare hospital – this type of insurance is given to many insurance companies, and it is usually around $10k, which covers the cost of the hospital and the medications. This is the policy that covers the insurer globally.
  • Accident overage – As discussed above, the insurance company will cover the expenses of the other vehicle damaged during the accident.
  • Towing insurance – Unlike in many countries, the USA has very expensive towing services, which is why all the trucking companies always have bought tow insurance for your business.
  • Hired trucking insurance – This will safeguard the driver driving the truck if it is not registered with that particular truck.
  • Personal Truck insurance – If the truck is owned by the driver, then this insurance is usually done to protect and help the driver if there is any accident or in case of death.

How can you file a claim?

Filing a claim is a very tedious process, but if you already know what the process is for the same, it will not only reduce your time but will also help in focussing on other important tasks and things that are needed during that time. It is always needed to get an attorney of yours to get the best step forward because they will know what will be the next steps after this. 

If you are searching for specialists in commercial truck insurance in Florida, you are at the right spot because we have been providing the best insurance policies for you and your trucks for close to 2 decades. We will discuss this in detail to help you out in your decision-making. If you wish to speak to us about the insurance and how to buy them, you can always reach out to us at (877) 400-0500.


Q1. How much is cargo insurance in Florida?

Ans. It has an average of $380 to $1900 which can be charged.

Q2. How much is box truck insurance in Florida?

Ans. It comes to an average of $12500 to $18000, depending upon the companies.

Q3. What kind of insurance do I need for a trucking company?

Ans. There are many different types of insurance to fit all your needs.

Q4. How can I lower my truck insurance?

Ans. Always take insurance from one company, take out monthly premiums to be paid, and use the best insurance providers.

Q5. What is the best commercial truck insurance?

Ans. All are the best, but which company suits you best is something you will get to know after knowing the features.

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How Can Cargo Insurance Reduce The Risk Of Theft?

How Can Cargo Insurance Reduce The Risk Of Theft?

Cargo theft has been around us for ages. It has always been disheartening when you or your customer know that the cargo being transported has been stolen from unidentified looters. It is seen that many transportation companies have started taking cargo insurance a must either from the customer whose goods are getting transferred or some big companies like FedEx have their insurance providers, which help in mitigating cargo theft. Due to advancements in technology, the ways and methods used by the thieves have also been updated and upgraded as per the market, and they have found new methods to sneak off with the transportation goods of the trucker.

Nowadays, there are many Information Technology companies that have come up with smart artificial intelligence products which are fitted in trucks and trailers, and sometimes inside high-value goods to prevent or to get back the goods once thieves have stolen them. As per the report by CargoNet, it has been seen that there is a 73% rise in cargo theft cases in USA and Canada, which is close to $19 million, and it is an alarming figure as the results have been compared with the year 2021.

How Can Cargo Insurance Reduce The Risk Of Theft?

Let us discuss the five usual ways which lead to thefts of cargo:

  1. Direct Theft: It is the way in which the theft is done directly straight from the trucks/ trailers, and it is difficult to point out who stole the goods. It is like your cargo is at the pumping station by the time the driver comes to check. There may have been scenarios when the whole trailer was stolen and also hurt the drivers and other staff who were present at the time. The thieves usually go for high-value goods or for which they have the ability to steal less and earn huge profits.
  2. Strategically Cargo Theft: Cargo theft is done after a lot of planning, and usually, there is a mole in the company who shares all the routes and emergency plans if there is some issue in the usual routes and ways. It is noticed that the thieves usually do that on the weekends or at the start of the weekends when the company has fewer resources to look into it. Like Fridays or Saturdays are the most usual days since everyone is working for n reserve staff, and no anyone can do it until the start of next week.
  3. Technology Advanced Thefts: As discussed above, the thieves have started hiring computer staff and hackers who hack into the company database and steal a lot of client information which might include credit card, social security numbers, and other bank details, which is not only harmful for the company reputation but also led to many thefts which they have led the authorities to some other place while they were at a differentplace. They also have the skills to change/ hack/ jam the GPS to the point of taking control of all the websites and the company’s total digital footprint.
  4. Cyber Attacks: They have been attacking the whole grid of attacks on trucks since these days they have been fitted with computers inside, which can be easily hacked. These thieves use high-end systems, and they direct the truck directly to them by re-routing their signals and GPS on board. These days they have been using public wifi since it is directly linked to the transportation office, and they have less security than private contractors.
  5. Cargo Lifting: There have been times when you will find that half of the cargo has been gone, per your documentation. It has been seen that when the truckers go and wait for frequent breaks, that is the best time for the thieves to steal the goods and products. You must have noticed that these types of pilferage are done while the trucks are in the areas where by the time there is a response from the authorities, it would have been so late for them.


How Can You Save Your Cargo?

Here are the few steps the drivers and the company staff should follow:
  • Keep the knowledge of the transportation inside the office and do not let it leak to the outside people. There should be proper communication and documents, and everyone should sign non-disclosure documents. These will help to curb the thefts.
  • The drivers should not keep the cargo unattended, especially in high theft areas.
  • The use of high-security checks and locks, and machinery to keep the cargo intact might reduce the amount paid for the cargo insurance.
  • Always do an internal audit as and when between the business year so that you can get to know the intricacies before and might prevent things from happening.
  • Always have an overview and keep updating in real-time the location of the trucks and the drivers because it not only helps in getting the correct location of the truck, but the security team can reach on time and the correct location if required.
  • Dispose of the staff you are dishonest with or the management because, in the end, you have to be there to take care of the fallings that could have been mitigated at the beginning.
  • Make partnerships with the security and other cargo insurance providers so that you don’t need to worry about the things that could have been unseen by you.
  • Drivers should be cautious of the way they drive. It is said the driver should take care of the cargo and truck and drive at least 200 miles before a stop, as it reduces the risk of cargo loss.

About Us

Mayflower Insurance services help you get truck, home, house, and auto insurance. They are in over 30 states and help in getting you the best rates for any of the insurance you need. It was the year 2003 when it was established, and after nearly two decades of consistent work and efforts, we have been working on getting you the best policies at the best prices. Contact us Today!

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Trucker Pollution Insurance- Benefits

Trucker Pollution Insurance- Benefits

Commercial auto insurance is something that every driver needs to insure their cargo before they take the roads. Other than this, there is Trucker Pollution Insurance which not only gets you out of the hands of the CDC but also can help you reduce the expenses you might need to pay after the mishap. You must be knowing trucking accidents happen every day somewhere in the world or in your state. Since they carry heavy and dangerous substances, sometimes they lead to death and destruction, which is what they leave behind.Trucker Pollution Insurance Benefits

Why is there a risk of pollution by Trucker?

It is good to know that the truckers’ main or primary job is transporting cargo and dangerous chemicals and gasses. Many truckers must be traveling every day in good and sometimes harsh conditions like snow, strong winds, and heavy traffic. It is like this which can reduce the total work which you can do in the process. Let us explain with an example- say the trucker is carrying harmful by-products of nuclear products.

This can be very harmful to anyone who comes in contact. There is a distance of 1000 km, which the trucker has to cover to reach the destination. The truck slips on the ice on the way, and its content spills on the road. It usually sips in the cracks in the soil and mixes in the nearby water body. Nature can ruin; anyone who comes in contact can lose their life, and everything is havoc.

Suppose the cargo comes in this kind of situation. In that case, it is better always to have pollution insurance if you have a business carrying harmful content. It can disrupt the normal function of living and nonliving after the accident. You may be wondering – there is not always a cargo that could create havoc like in the above case. Then how why do you need insurance? Even if there was no spill or harm – the road, the truck, and the driver everyone needs compensation.

For that, if you have pollution insurance, it can also help you get good compensation and reduce expenses. When something like this happens, there will always be a cut in your profits. You may not know that normal trucking insurance does not cover Trucker Pollution Insurance. It is an additional charge for you which you can surely reduce if you have such insurance in your portfolios.

Are you liable after the accident?

The liability that the cargo travels after the accident ranges from spills to destruction of government and public property and might include death and long-term harmful effects to the normal people living on both sides of the road. 

Okay, now you must be thinking about how you are liable for any of this, or maybe we are just making it up for you. Let us say you wanted to transport your product from one place to another a product of your company. Your trucking company sells the contract to a third-party logistics company. Now, to reduce the costs, they share the contract with the cheapest company, and they have been unable to keep a check on their drivers.

That truck and the product can strike, and the content of the cargo may litter the road. The new channels came running like vultures, and the reputation of the company went down the drain. This is how you can become from one of the best to the least used ones. Now the case of “Due Diligence” will be there on you. 

So, in the end, trucking insurance is for everyone. It is the trucking company’s responsibility that hires a 3rd party to transport goods and your cargo. It is the responsibility of all the parties in the contract, which is why all the possible scenarios are giving contracts or talking to any of them about the same. 

What are the types of pollution liability?

Pollution can be of many types. It is usually seen that the companies only pay for their truck, extraction of debris, and all other things. What if we can get you the policies that cover your expenses? Less cash is needed to get your truck back, with companies now also lawyer fees. Moreover, you can reduce your unexpected scenarios. The way of the accident, the type of the accident, and also the time. And how it happens can help you find which type of insurance will be more prevalent for you:

  • Liability with Transport pollution – When the cargo is en route, and the cargo gets destroyed or spilled during/ after the accident, transportation pollution is the best policy to take as it will cover the things specifically for transport pollution.
  • Liability with Contractor pollution – This is the type of policy where the contractor is liable for the pollution as it is done on shifting/ loading/ unloading the cargo and comes under their jurisdiction, which leads to coming under their liability therefore, this is the reason why you should we have this insurance for them.

When you will go to the insurance agent to buy the policy, explain to them why and what variables are there in your business of trucking such that they can help you to get the best policy. If you do not know how to explain this to your agent, you can contact us – the Mayflower Insurance Services – we can help guide you to the best plans for your business. We provide customized policies, which will include things per your requirements and needs. Moreover, you can only have to pay for these services. You can reach us at (877) 400-0500 or get your free quotes to get an idea of how much you might be spending for Trucker Pollution Insurance.


Q1. What is a pollution exclusion in insurance?

Ans. It is a type of provision in the first and third provisions that exclude coverage from the insurance.

Q2. Does MCS 90 cover pollution?

Ans. It will come into effect when there is a cause of pollution by the insurer.

Q3. Does CA9948 cover loading and unloading?

Ans. It does not cover the loading and unloading of the cargo and goods.

Q4. What is limited pollution coverage?

Ans. It means the clean-up costs will be given by the insurer.

Q5. Who is required to have an MCS 90?

Ans. All commercial vehicles and private owners should have MCS 90.