Mayflower Insurance

CUSTOMER PORTAL
Icon-facebook Twitter Instagram
Menu
Get a Quote

Category: insurance

Categories
insurance

How To Choose The Best Commercial Truck Insurance In 2023?

Best Commercial Truck Insurance In 2023

How To Choose The Best Commercial Truck Insurance In 2023? 

Do you know choosing the best commercial truck insurance is an essential decision in your trucking business? You might be a truck driver or a business, or you have just started the business; having truck insurance is one of the best decisions in your life. Whenever you claim the insurance, you should have the trust that it will help you get the best reimbursements which not only reduces your liabilities but also lower the amount you have to spend during the season. It means you need to vet the company which will be providing the easiest and fastest insurance claims, and the agent will be available to make the whole process quick.

read more "How To Choose The Best Commercial Truck Insurance In 2023?"
Categories
insurance trucking

How To Check Commercial Truck Engine Health After Fifty Thousand Kilometers?

How To Check Commercial Truck Engine Health After Fifty Thousand Kilometers?
How To Check Commercial Truck Engine Health After Fifty Thousand Kilometers?

How To Check Commercial Truck Engine Health After Fifty Thousand Kilometers?

When you drive a commercial truck, your engine might throb a little bit at the moment, but it’s not going to go out of commission. Engineers have designed commercial trucks to be driven out in severe weather or on poorly maintained roads and have well-tested and proven these vehicles to handle well in all types of conditions. So how do you check if your truck is getting ready for seclusion? Simple—just check for signs of wear and tear on the underside of the truck, the bottom corners, the front suspension components, and any other exposed parts that can become damaged or weak from long-term use. Check these areas before driving your rig completely! Read on for some important things you need to know about commercial truck engines and how to check if yours is in good shape.

 

What is the age of commercial truck engines?

If you’re driving a commercial truck, you should know that the engine that powers your rig is in its prime. It’s the one and only engine which will run for you for the rest of your life. Therefore, it’s important to evaluate the condition of your truck’s engine and make sure it’s in good shape. Often, this is due to the addition of more engines to the rims or tires. Some commercial truck engines are older than others, but they all need regular inspections to be in good shape. So, if you drive your truck regularly, you’re pretty much guaranteed to find signs of wear and tear. These include the motor running at a low rate of speed or even at a standstill. The brakes are malfunctioning or not working properly. The tires are over-inflated or under-inflated. The brakes are not yet fully stopping the truck, or the brakes aren’t working at all.

What does a commercial truck engine look like?

A commercial truck engine is made up of several interlinking blocks or cylinders. Each block has a number between 1 and 8, and each number represents a “domain” of health. The first six numbers represent the “fitness,” or how well the block works in that specific application. You’ll see two main types of commercial truck engines: 1). Ones that have been purpose-built to work in harsh conditions and 2). General-purpose engines can be used practically anywhere.

How do you check for commercial Truck engine wear and tear?

It’s important to inspect your truck’s engine to make sure it’s in good shape. The most common signs of wear and tear on a commercial truck engine are (1) a slow, steady decline in oil pressure, (2) a lack of air signature in the reduction gear, and (3) a bump in the road. Drive your engine for about a month before making any major changes to make sure it is in good shape. Check to see if the oil and transmission oil bits are clean and free of oil or if they are very dirty and ready to be drained. Put a finger or two inside the transmission to make sure it’s in good shape. Turn the engine off, and examine the other exposed parts to make sure they are in good shape as well.

Tips for checking commercial Truck engine health after fifty thousand kilometers

Keep in mind that your truck is going to go through a lot of miles, so it’s important to make sure you’re making the right choices with your maintenance. Check if your engine is running at a low rate of speed if it’s running at all, and make sure the brakes are working properly. Before you get behind the wheel of your truck, make sure the tires are good to go, the brakes are not yet fully stopping the truck, and the brakes are working. Then turn on the engine and put power into it. Lastly, check that the tires are not over-inflated. Finally, make sure the brakes are working properly. It’s also a good idea to check the oil level in the differential to make sure it’s not too low.

Final Words: Should You Check Your Truck’s Engine Before Driving It?

There are a few things to keep in mind before you get in the truck and start to drive it. As with any new or used vehicle, you want to make sure that all of the necessary components are in proper order and working properly. After all, you don’t want to hit a part or two that aren’t in good order. If you’re operating a commercial vehicle, you don’t want to forget about these rules and keep driving the truck when it’s not in good shape. The last thing you want to do is drive your truck off-road and end up with a broken or lost wheel or other attachments. So, make sure that you’re making the right choices with your maintenance and that your truck stays in top-notch shape.

Commercial Truck Insurance – What is and why do you need it for your truck?

Commercial Truck Insurance is one of the most needed insurances for your business. Therefore, whenever your truck is new or is giving problems then it is the best solution to get insurance for your truck. Yes, we know it can be very difficult to get one because it is very expensive and takes time. But, with Mayflower truck insurance you can quickly protect your truck engine. We can help you get the cheapest and most affordable insurances. 

FAQs

Q1. What maintenance should be done at 50,000 miles?

Ans. Brake Pads, Engine Oil change, and filter change are a few things you need to do. 

Q2. How many kilometers before engine overhaul?

Ans. After 280000 miles.

Q3. Is 50000 Miles considered high mileage?

Ans. Yes, it is considered a high mileage if the truck is new and the running costs are less.

Q4. How many kilometers can an engine last?

Ans. It can last as much as 300000 miles if the truck is driven smoothly.

Q5. How do you maintain high mileage on an engine?

Ans. With scheduled maintenance, high-mileage gasoline, and regular care of the vehicle.

Categories
insurance trucking

What to Know About Commercial Farm Truck Insurance

What to Know About Commercial Farm Truck Insurance
What to Know About Commercial Farm Truck Insurance

What to Know About Commercial Farm Truck Insurance

When you think of farming, images of a large tractor and trailer plowing through the fields come to mind. However, the reality is that modern-day commercial farms are often faced with more difficult circumstances than their historical counterparts. They must contend with more stringent regulations, expensive equipment, and challenging terrain. Unfortunately, these factors have resulted in an insurance market for agricultural businesses that is expensive and inefficient. If you operate a farm, ranch, poultry operation, greenhouse business, or any other small-scale agriculture venture, then you need to get your commercial farm truck insurance immediately. Before you contact an insurance broker or agent, be sure to read on to learn everything you need to know about this important topic.

What to Know About Commercial Farm Truck Insurance

 

What is Commercial Farm Truck Insurance?

Most car, homeowners, and auto insurance policies cover properties, damages, and contents within a certain radius of the insured location. However, they do not cover the contents of a farm truck. That is unless you buy additional coverage for the truck itself. The purpose of commercial farm truck insurance is to protect your property and assets when you operate a commercial farm. It does not protect your people or the operation itself.

What Does Commercial Farm Truck Insurance Cover?

When you purchase farm truck insurance, you’ll likely be given three main coverage groups to choose from. The first is general liability. This group protects both you and other parties involved in the delivery of your goods. The second is a liability for damages to your goods. This coverage includes things like damage caused by defects in the goods or failure to deliver items as agreed. The final group is an assortment of extra covers that are intended to protect your business if something unexpected happens. For example, you might add medical payment coverage to protect you and your staff if a patient gets sick. Some policies also include a fourth coverage group that protects your business if something goes wrong with your equipment. This coverage is usually limited and short-term in nature.

4 Types of Farm Truck Insurance

There are many types of farm truck insurance, but here are the four most common:

Bodily injury coverage – This is the most important and covers the most ground. It protects you and anyone who is riding in or operating the truck. This coverage does not cover the damage caused by animals.

Property damage coverage – This coverage protects your assets, like machinery and buildings, when you’re not operating the truck. It does not cover the actual value of the assets but rather the cost of getting them back in working order if they are damaged.

Liability coverage – This protects you and other parties involved in the delivery of goods. It also covers the return of goods that you have agreed to deliver.

Visibility coverage – This protects your assets, like machinery and buildings, from public view. It only covers the items if they are visible from the location you currently operate from.

How to Buy Commercial Farm Truck Insurance?

The first and most important thing you must do is find a broker or agent that you trust. You can check out our list of recommended insurance brokers here. Next, you’ll want to research different types of farm truck insurance and create a budget. Here are some helpful tips: Keep in mind that the higher your deductible, the lower your premium.

You can expect to pay about the same amount for the most expensive type of insurance as you would for the cheapest. Don’t let price dictate your insurance options. You can always find cheaper deals on the internet or by calling your local broker. Shop around. You can save by comparing rates from different brokers and by visiting different dealers. Just make sure to ask about their customer service policies, as some may charge more for certain features than others.

The Importance of Farm Truck Insurance

Farm trucks are a key part of the agricultural industry. The combination of a large, heavy machine and a small, mobile workforce makes these types of vehicles hard to cover in an efficient manner. For example, if you own a poultry farm, then a tornado or severe weather event could threaten your operation.

In such an instance, you are faced with stray objects and serious structural damage to your barn or poultry house. Contrary to popular belief, it’s not necessary to be able to pay for expensive commercial truck coverage. You can get by with basic commercial accident and liability coverage for a fraction of the price.

Why do you need Commercial Farm Truck Insurance?

If you operate a farm, ranch, poultry operation, greenhouse business, or any other small-scale agriculture venture, then you need to get your commercial farm truck insurance immediately. Before you contact an insurance broker or agent, be sure to read on to learn everything you need to know about this important topic. When you think of farming, images of a large tractor and trailer plowing through the fields come to mind. However, the reality is that modern-day commercial farms are often faced with more difficult circumstances than their historical equivalents.

They must contend with more stringent regulations, expensive equipment, and challenging terrain. Unfortunately, these factors have resulted in an insurance market for agricultural businesses that is expensive and inefficient. If you operate a farm, ranch, poultry operation, greenhouse business, or any other small-scale agriculture venture, then you need to get your commercial farm truck insurance immediately. Before you contact an insurance broker or agent, be sure to read on to learn everything you need to know about this important topic.

Disadvantages of not buying Farm Truck Insurance

There are a few disadvantages to not buying commercial truck insurance. First, you’ll need to bear the cost of the insurance on your own. This can be expensive. The average cost of commercial truck insurance is about $2,200 per year. If something happened to your equipment, you could only get money for the actual cost of the item, or it could be excluded from the total. Finally, if you choose to buy commercial farm truck insurance, you’ll need to keep on top of any changes that may occur in the insurance sector. The industry is constantly changing and improving, so you’ll likely want to shop around for the best deal on occasion.

Conclusion

Thankfully, there are a number of factors that you can consider to make your insurance premiums more affordable, whether you choose to insure your farm trucks with Progressive or with another provider. With the right preparation and a comprehensive understanding of all available options, you can find the right policy to meet your needs.

FAQs

Q1. What qualifies as a farm truck in PA?

Ans. It means your farm truck can only be used on farms.

Q2. Can you drive a farm truck without a license in PA?

Ans. CDL requirements do not apply to drivers of vehicles or combinations until the actual weight or weight rating of the vehicle or combination is greater than 26,000 pounds.

Q3. How long can you depreciate a farm truck?

Ans. From 3 to 25 years, it can depreciate a lot.

Q4. What does truck farming mean?

Ans. Truck farming means that the truck which is used in the farms.

Q5. Do farm vehicles need to be taxed?

Ans. It cannot be taxed because it is not registered on SORN.

Categories
insurance trucking

What Is Motor Truck Cargo Insurance? How Much Is It?

Motor Truck Cargo Insurance
Motor Truck Cargo Insurance

What Is Motor Truck Cargo Insurance? How Much Is It?

Trucking companies are often required to provide motor truck cargo insurance to their customers. You can be responsible if the property you carry is not in a good condition when you provide cargo transportation services. Vehicle collisions, overturns, fires, and theft are just some of the common risks that can destroy your cargo.

Motor Truck Cargo Insurance

 

There are a number of ways you can protect yourself against these perils:

  • Use a trucking insurance policy that covers damages from accidents and cargo loss in case of theft.
  • Ensure your liability coverage is high enough for any losses incurred through the use of your company’s trucks.
  • Purchase collision coverage if your vehicles are involved in accidents while transporting loads.
  • Make sure that all shipments have valid insurance policies in place before they leave your facility, as well as after they arrive at their destination.
  • Register with the National Transportation Safety Board (NTSB), so it can be investigated properly when an accident occurs.

Cargo insurance is a type of insurance that protects your business from the financial costs associated with transporting cargo. It covers the loss or damage to your cargo during transit, including theft and accidents. While most cargo insurance policies cover all types of goods — including perishable items — there are also policies available for specific types of cargo, such as heavy equipment or automotive parts.

What is Motor Truck Cargo Insurance?

A motor truck cargo insurance policy protects your goods and property while a motor carrier is transporting them. Freight carriers are responsible for protecting the value of client property. The Federal Motor Carrier Safety Administration (FMCSA) requires Motor Truck Cargo Coverage for vehicles and companies involved in household goods transportation (e.g., moving companies). There is a good chance that your company will require you to have it. Depending on the type, amount, and distance of the cargo which you will transport and how long it takes for the transport to complete, premium costs and limits may vary. For your business, you should consult with your insurer to ensure that you have the right coverage.

Motor Truck Liability Coverage protects you against losses arising from damages or injuries sustained by third parties while they are in your possession or control, but not while they are traveling with you. Suppose a vehicle carrying your goods is involved in an accident. In that case, this coverage can help pay for medical expenses or other losses incurred by drivers or passengers injured because of an accident involving your vehicle. If you get to know that there is some injury on your property while they are working on it, they will get the insurance money as the insurance will also cover it.

What property you will cover by Motor Truck Cargo Insurance?

When your clients’ cargo is in your custody, Motor Truck Cargo Coverage protects it. Your insurer will pay for damages that can happen by a covered peril if your company is responsible for loss. Among the common perils covered are fire, collisions, water damage, refrigeration failure, and theft. Regardless of whether a covered peril causes damage to your vehicle, other vehicles, or any other property, any damage to your own vehicle, other vehicles, or cargo in transit will not be able to get a refund.

Standard commercial auto policy or as an add-on endorsement will also increase if we add the above. It only applies to items transported via motor truck at the time of loss. If your vehicle gets in an accident without transporting cargo at the time of loss (for example, if you are driving home from work), this coverage does not apply — you can add it as an additional endorsement or policy modification.

Risks in Motor Truck Cargo Insurance

Cargo Coverage for Motor Trucks provides coverage for the transportation of goods by motor trucks. Motor vehicle insurance covers the transportation of cargo, as well as the shipping or delivery of the cargo. And if the cargo is not in the condition like the way in the starting company will need to pay.

It is possible to offer Motor Truck Cargo Coverage on an all-risks or named peril basis. Policies that cover all risks will cover all causes of loss, with the exception of those that are specifically unintentional. Policy names only cover the risks that will be there in the document. Due to their comprehensive coverage, all-risks policies usually have higher premiums.

Factors that affect the Motor Truck Cargo Insurance Cost

  • The types of insurance protections that you and your business requirements will determine the type of insurance policy that is appropriate for you and your business. Each type of insurance policy will have a different cost.
  • Operational factors, including your business’s unique circumstances and the risks you face on a daily basis, will influence the price.
  • A new truck tends to be more expensive to insure due to its high cost of replacement or repair. The cost of insuring heavy vehicles is higher because they pose a greater risk of causing greater damage in the event of an accident. Of course, the more you insure, the higher your insurance premium.
  • A larger operating radius will result in a higher cost. It is more likely that you will get into an accident if you have a large operating radius since there is less familiarity with the routes.
  • Depending on where your business operates, your rates will vary.
  • You will be able to save on your insurance premiums if you store your trucks in a secure area. The cost of parking a truck in an open lot or in a public area will be higher. The cost of parking the truck in a garage or in a closed yard will be less.
  • There are certain types of cargo that are more hazardous to transport due to their weight, cost, or potential danger in the event of an accident. The type of insurance can justify the cost you have to paywhile buying the insurance. Truck accidents involving heavy construction equipment, for instance, are likely to cause more damage than accidents involving dump trucks transporting sand.
  • A driver with a history of traffic violations will have to pay a higher premium for their insurance. The best thing you can do is to ensure all drivers have clean driving records, as even a minor traffic violation can result in a significant increase in insurance premiums. Many insurance carriers provide safety guides and resources for drivers; it is a good idea to consider investing in driver safety training. When working under your own authority, any violations in your USDOT operating history. They can also look there for any past cases.
  • An individual’s deductible is the amount of money that they are responsible for paying before their insurance coverage kicks in. As a result, your insurance premium will be less expensive if your deductible is higher.
  • Your policy limits are the maximum amount that your insurance company will cover in case of a claim. It will play an important role in determining how much your monthly premiums will be. Currently, the FMCSA requires truckers with a federal filing to have at least a $750,000 commercial standard liability limit or a $1,000,000 commercial standard liability limit. CSL stands for a combined single limit – this is the maximum amount an insurance company will pay per incident.

FAQs

Q1. What is covered under cargo insurance?

Ans. Basically, it provides protection to the cargo in case it gets stolen or destroyed during transportation.

Q2. What is the difference between cargo and freight insurance?

Ans. Freight insurance is the add-on service to the cargo insurance, an extra set of protection for the truck’s freight or cargo.

 Q3. What is a motor truck cargo policy?

Ans. It acts as a safeguard to the cargo in transit or while loading and unloading the goods from the truck.

Q4. What are the two kinds of cargo insurance policy?

Ans. All risk and named perils are the two things that are covered under the cargo insurance policy.

Q5. What is Motor cargo liability?

Ans. This type of insurance protects the owner and the freight while transporting.

Categories
insurance trucking

Through What Reason Investing In Dump Truck Insurance Can Be Good

Through What Reason Investing In Dump Truck Insurance Can Be Good
Through What Reason Investing In Dump Truck Insurance Can Be Good

Through What Reason Investing In Dump Truck Insurance Can Be Good

A dump truck is one of the most used trucks, and they come in many sizes, from standard sizes to huge sizes. It is also called a tipper truck and is used to carry sand, demolition wastes, or gravel from one place to another. Dump truck insurance is something that everyone should have as it reduces the expenses in one’s pocket. The truck usually has an open box like a bed and is attached to the truck from the front with hydraulic rams in the middle to lift the truck’s trailer and dump the materials wherever required. They are mostly used at coal mines where the waste is huge and must be transported from one place to another.

read more "Through What Reason Investing In Dump Truck Insurance Can Be Good"
Categories
insurance trucking

Why Truckers Need Cargo Insurance?

Why Truckers Need Cargo Insurance?
Cargo Insurance is one of the most needed truck insurance which is needed by the federal Law. Contact Mayflower Insurance for more.

Why Truckers Need Cargo Insurance?

We always need commercial truckers to have general liability insurance before they drive the truck. The law requires that they need insurance to be cared for if an accident happens. This liability insurance provides essential protection to the truck. You must have known that the cargo can be destroyed/ stolen in many ways, which is why you must have cargo insurance in Indiana for your trucks. Per the FMCSA, one must have insurance to help one get their truck running on the roads. There should be minimum insurance so that some losses can be covered if a mishap happens.

Why Truckers Need Cargo Insurance?

What Is Trucking Cargo Insurance In USA?

This insurance is the insurance that is needed for the protection of heavy and expensive cargo which is carried by your trucks. It can be carried by trucks in all weather, especially in cold weather when the roads become very dangerous due to slippery surfaces. We have seen that insurance provides protection during times of fire, wind, hail, and theft, and it may cause the cargo to be destroyed during the time of the collision. As per the federal government, the insurance should be maximum to be around $5000, but it depends upon the cargo you are taking in the truck. It is seen that there are many truckers and companies, and agents who buy insurance of $100000 to secure the cargo of the trucks while they make their way all over the states in the USA.

Types of Cargo Insurance Policies

There are not many types of truck insurance, and we will discuss them in detail to get you an idea about each. There are mainly three kinds of insurance that can be done by an insurance company:

  • Open Cover Trucking Cargo Insurance – It will cover all the insurance cases listed in the policy and leave behind the ones that come in the exceptions. Open insurance is good for large to medium businesses that ship goods and products frequently. If you are shipping multiple shipments to and fro, then it is needed to have open-cover insurance. It is always affordable and cost-effective to cover large volumes as per the load they take every day.
  • Contingency Trucking Cargo Insurance – This type of insurance is carried out by the client rather than the seller, and it is done to take place when all other insurances are not working as they intend to. In this case, the insurer tries to give it to the beneficiary in an attempt to get back from the seller. It takes care of the loss, which could happen if things do not go as they should have been. Our agents understand this insurance coverage and are ready to give you the best of that whenever the need arises.
  • Specialized Cargo Insurance – It covers a certain batch of cargo with the trucker, which needs special care and insurance. For example, a client is carrying freshly caught fish from one place to another. Then the client gives specific instructions under which, if they are ignored, the insurance company will pay for the loss of the shipment.

Every client has different needs which need to be followed while you transfer the shipment with that trucker or the company. 

Why Do You Need Cargo Insurance In Trucking?

This insurance is needed for your business because of the following reasons:

  • It is the law that has been created by the Federal government which is needed to be followed
  • Accidents can happen anytime, and that is why before they happen, it is good to keep a hand in the insurance such that it can help you take the expenses from your hands
  • It protects the property of the client when they are getting transported by the trucks
  • It gives protection to the truck from physical damage as, with time, most things get destroyed with time, and thus it is needed to have this insurance
  • One should always have bobtail insurance such that when the trucks are not carrying the cargo, they are protected

Now let us discuss what it will exclude when the cargo is being transported, and something like this happens because then the insurance company will not be liable to pay to the beneficiary:

  • If the personal items of the drivers are lost/ stolen/ destroyed.
  • If there is a loss of the shipping containers like they get destroyed or something happens like regular wear and tear.
  • If the cargo is explosive or it is a radioactive material, then the insurance won’t cover the expenses; that is why the government does most of the transportation of these types of cargo.
  • If art or jewelry is being transported and they are prone to thefts which makes them very much liable to be stolen on the way, and that is why personal guards are hired to protect the goods while they are being transported.
  • Money or money paper is being transported, and that is when you need to take care of the transportation because, like jewelry, they are highly contagious and can be stolen on their way to the banks. It is one of these reasons when they are transported; the information is needed to know only..
  • Live animals are getting transported, so it is good that they should be transported in the best conditions because the insurance companies do not give insurance protection to them.
  • If the goods getting transported are illegal, like contraband, medicines then it is something that the client needs to take care of and not the insurance company, or the truckers are liable to pay if they are lost or destroyed on the way.
  • Imagine some of your cargo is kept for over 3 days waiting to be picked up by you, and in the process, the cargo or the goods are lost to the weather or any other calamity. Then, the insurance company or the trucker will not be liable to pay for any of the damage which has happened to the cargo.

Thus, it only pressurizes that truckers need cargo insurance in Indiana as they can help when you do not have the money or the funds, and they pay for almost most situations. For this insurance, you can contact mayflower Insurance Services by filling out this form.


FAQs

Q1. What are the best motor truck cargo insurance companies?

Ans. There are many companies, but if you need the ones which are good for you, you can contact us and get the best insurance solutions.

Q2. What does motor truck cargo insurance cover?

Ans. Motor truck cargo insurance covers everything except the situations which are exceptions.

Q3.  How do I get cargo insurance for a short-term box truck rental?

Ans. You can get them directly, but you can contact Mayflower Insurance company to get the most affordable policies.

Q4. Is it possible for U-Haul to rent cargo trucks with no insurance coverage in accidents?

Ans. It depends upon the type of insurance services you have opted for.

Q5. What kind of insurance do I need as an owner-operator trucker?

Ans. You need to have general liability insurance, at least as it is my federal law.

 

Categories
insurance trucking

Top 9 Trucking Safety Tips For Truck Drivers

Top 9 Trucking Safety Tips For Truck Drivers

Top 9 Trucking Safety Tips For Truck Drivers

It is said you have to drive the truck forgetting the various problems which the drivers come across. It is not just driving it has a lot more that may be said – everything comes into play. It is why it is important to have truck insurance in Ohio before you send your truck out on the roads. There are some insurances that are mandatory to have insurance for the truck as it might come in handy. You may have experienced that in the winter, the snow makes the roads very challenging, which could be harmful and time-consuming for your cargo as well as heavy on the pocket.Top 9 Trucking Safety Tips For Truck Drivers

Let us discuss in detail the 9 safety tips:

  • Driving Defensively: It is one of the most used options by truck drivers because the driver has control of himself but does not have the same on other drivers. It is always said to drive cautiously because there is always a huge loss of health, cargo, truck, and one’s life. You must have noticed that most accidents happen due to reckless driving by motor car drivers, and it is a fact they are the major reason for road accidents in the USA. Here are some tips for truck drivers such that you do get to claim insurance money at the time of the accidents:
    • Take care of the blind spots on the road: There should be a distance of 10 – 15 feet in front of the truck, behind the trailer and the next car, and on the sides. While doing that – keep an eye on the side mirrors such that you have a 360° awareness of your truck at all times.
    • Always maintain a safe distance: It is said by FMCSA that there should be only 10 feet of a truck per second if it is moving at 40 mph. So, for example, say you are going over 40 mph; there is an additional second. Let us say that you have a 72 feet truck trailer with a speed of over 40 mph it will take 8 seconds in total to pass through the vehicle which you will be overtaking.
    • Be alert of your truck: An accident can happen within a second or less, and that is why it is always good to drive safely and be alert whenever you drive. Pay attention to the traffic flow and take care of the surroundings before you take over and check the traffic – how it is going and change speeds as per the situation.
  • Schedule Maintenance:  It is always good to have your truck go for regularly scheduled maintenance as it is essential for the commercial vehicle and safe for the other vehicles on the road. FMCSA has always said maintenance issues are the main cause of road accidents. Always keep a schedule and remember to make the maintenance stops with your mechanic, as it can save you a lot of time and money for a later date.
  • Post & Pre-Trip Inspection: It is always needed to have the truck inspected at the beginning of the journey, and the same thing goes after you end it. Check the tires, their groves, the air pressure, and the extra tire condition if you have all the accessories needed for quick truck tire repair. As per the federal government, they have made it a rule that truck drivers have to inspect their vehicles every day and put it up in the work schedule such that close attention will be given by the drivers and the companies who own the trucks. Always inspect
    • The braking system, the brakes, and the connectors are needed for the exchange of air between the truck and the brakes. Brake pads and compressed air which is needed for the brakes.
    • The sterling system should have the appropriate oil, and there should be good space between the rack and pinion, steering column, and the mechanism needed for the truck steering process.
    • Always pay attention to the 5th wheel assembly lines, turn indicators, markers, and signal lights. If you are finding it difficult, you can have the checklist from FMCSA and USDOT and make yourself and your staff aware.
  • Distractions Should Be Avoided: It has been found that distracted driving is the main reason for many truck accidents. For example, if you change the lane of the truck without giving any signal to the co-drivers around your vehicle, it can lead to serious injuries. It is often noticed that drivers text while driving, and we strongly suggest you park the truck on the side of the road and do your important business before driving the truck.
  • Be Prepared For Dangerous Road Conditions: It is always there that road conditions change a lot with every passing time, and the cold ones are always the most dangerous time, or maybe the rains.
    • Ice Roads: These are one of the most dangerous road conditions, and also, it is the easiest road where you can escape very easily. If you find huge slabs of ice, it is good to park on the side and let the government vehicles do their work, and then when the road is good, one can start their journey.
    • Snow: It can also cause the truck to slip and the trailer to get detached from it, causing loss to property, people, and the world at large.
    • Rain: It can cause the trucks to get stuck in the rain; it is always better to stay on the road, park it and let the other vehicles which pass your truck make them aware of your truck with the parking lights.
  •  
  • Always Take Proper Breaks: It is always advised by the authorities that drivers should take proper breaks in between while driving. It is said that drivers are always aware of the surroundings in which they are driving. FMCSA has always advised that drivers should take at least a break for the following hours before they should start driving:
    • In 24 hours – the 14 hours of on-duty timing
    • In 24 hours – the 11 hours of driving 
    • 30 minutes break before a complete 8 hours of driving
    • 10 hours of sleep is a must before the first three rules can be reapplied
  •  
  • Have A Dash Cam Installed: It is always a good thing to invest in the dash cam as it will help in determining the cause and will be easy for the insurance companies to give the money for the policy bought by the company who owned the truck. It is always good to protect your driver and the company’s reputation with the dash cam as it tells how the has happened, thus removing the unjust discussions by the parties involved in the accident.
  • Encourage Your Vehicles To Have A Gps Tracker: It is recommended that the trucks should have the GPS tracker installed in the truck as it helps the company and law enforcement track the trucks. It also protects the trucks from theft and other issues.
  • Keep Yourself Predictable: It is always good that you are predictable when you drive the truck; for example, reduce the speed while on turns, move in one lane, and take proper overtakes when crossing a vehicle. These are some of the tips which you can use to reduce the claims.

You should always remember that the most priority is returning to your family safely and taking care of the truck because it is where you earn your wages. It is always preferable to slow down or stop the truck if you feel unable to drive it. If you are wondering how to get the best truck insurance in Ohio for your business, contact Mayflower Insurance Services.

FAQs

Q1. What are truck driving safety tips that every professional driver should follow?

Ans. Maintain the distance, use proper turn indicators, drive at the speed limit, and take proper rest.

Q2. What safety or general tips would you give to a new truck driver that apply to most if not all types of trucks?

Ans. Always do an inspection before the trip, use proper turn mirrors, and, most importantly, take a 10-hour rest.

Q3. As a professional truck driver, what road safety tips do you share with friends and family?

Ans. Do not use the phone, be aware of your truck surroundings, and maintain a proper gap between the trucks and vehicles.

Q4. What are the safety rules for truck drivers?

Ans. Secure the cargo properly, always have insurance for your truck, and have proper testing of the brakes and the tires.

Q5. What is the best way to drive a truck?

Ans. Always stay alert, have a weather update with you, use the GPS, and be extra cautious during the night.

Categories
insurance trucking

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

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.


FAQs

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.

Categories
insurance trucking

How Does Motor Truck Insurance Work?

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?

Conclusion

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.


FAQs

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.

Categories
insurance trucking

How is Truck Insurance in Florida Changing The Landscape?

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.


FAQs

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.