If you're thinking of getting a policy for commercial truck insurance in Texas, Texas is one of the most important states to consider. Although it's not as complicated as other states, it is important to ensure that you're getting the best coverage possible. The following steps will help you get the best policy possible, as well as stay compliant with the rules and regulations of the state of Texas. You will want to make sure that your truck insurance covers everything from medical expenses to injury.
First, you'll want to think about how much coverage you need for the truck you're using. Most Texas policies start with primary liability, which is the most basic type of coverage. Other types of insurance, like physical damage, are designed to cover fires and damages to property. Aside from primary liability coverage, you will also want to consider the type of insurance you need. A standard policy starts with primary liability coverage, but you'll want to add extras if you have multiple vehicles or need to pay higher premiums.
Next, you'll want to consider what type of insurance you need. Most commercial vehicles need at least two million dollars of liability coverage. A household goods truck will need coverage of $300,000, and a general freight truck will need at least five million. The federal government requires that any commercial vehicle must carry at least $750,000 of liability coverage, but this is not necessary in Texas. If your trucking company is only traveling within the state, you can opt for a lower policy limit.
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