Truck Roadside Service

Why You Should Have Commercial Truck Roadside Service

If you’ve been in the trucking industry for a while, then you know all manner of mishaps can happen out on the road, some of which you or your drivers might not have the right equipment or knowledge to respond to on your own. Being well-prepared for any eventuality can go a long way in keeping you on schedule and satisfying your customers as well as your employees. Learn why truck roadside service is something you should be sure you have for the benefit of everyone involved in your business.

Lock-Out Service

If one of your drivers were to accidentally lock her or his keys in the truck, it will undoubtedly lead to delays as well as more than a bit of frustration. While a locksmith can always be called, it’s an added and unnecessary expense no one needs to take on. With roadside service, your drivers can have the situation taken care of and get back on the road to their final destination as soon as possible.

Flat-Tire Change

Having a flat tire is another common issue that can lead to delays. While big commercial trucks lose tires all the time, they can become stranded on the side of the road just like the drivers of regular motor vehicles if a tire springs a leak. Something else to consider is the fact that a truck might not handle as well or as safely if one or more of the tires is flat, which puts your drivers as well as everyone else on the road at risk. Roadside service can take care of flat tires safely and efficiently, guaranteeing the job is done right the first time.

Battery Jump Start

Batteries can become just as flat and lifeless as tires. No matter what it was that caused the battery to die, the issue needs to be handled soon and with the help of a professional. Commercial truck batteries and regular automobile batteries aren’t the same, which means your drivers can’t simply ask for a jump from someone in the parking lot or a nice driver passing by. For the job to be done not only right, but safely, it’s better to have roadside service jump the battery back to life instead. A single phone call can do wonders in such a situation.

Towing

Mechanical problems that go beyond batteries and flat tires might require a tow. Because of the size of a commercial truck, a special towing rig and vehicle need to be used so the job is done properly. Roadside assistance companies familiar with working with big trucks know just what equipment and vehicles to use to properly tow a truck somewhere it can be looked over by a professional mechanic.

Mobile Mechanic

Not all breakdowns have to end in a tow to the nearest commercial truck mechanic. Sometimes, mechanics are able to come to your drivers instead. This can be of a huge advantage because it can save your drivers the time it takes to not only get to the mechanic, but having to wait in line if there are other vehicles ahead of theirs. Hopefully, the mechanic can take care of the issue then and there, but if not, at least you’ll have a solid idea of what’s wrong with the truck.

Fuel Delivery

Traveling on unfamiliar stretches of road or simply forgetting to glance at the fuel gauge can lead to an empty fuel tank miles and miles away from a gas station. When this happens, your drivers need a reliable way to get the gas their trucks need and someone who can deliver it to them with ease. Your employees can stay with their trucks while the gas comes to them rather than have to walk for miles to the nearest gas station that has the fuel their trucks need.

Special Perks

Roadside assistance isn’t just great for common traveling mishaps like those mentioned above. For instance, your drivers can enjoy hotel and travel discounts for overnight runs that require them to stay out on the road for extended periods of time. Some assistance programs provide special concierge services for lodging, restaurants and fuel as well as truck stops. Even better is the fact that there are programs that provide members with special discounts on car rentals, medication and even theme parks. You don’t always have to be on the road to enjoy the advantages of being a member of a truck roadside assistance program.

Peace of Mind

As you can see, there’s a lot that can happen out on the open road. Setting out on a run knowing you and your drivers have quick and easy access to such services as those mentioned above can bring your drivers substantial peace of mind, allowing them to do their jobs without worry.

Clearly, there’s much to be gained by joining a roadside assistance program. Do yourself and your drivers a huge favor and start exploring your options today with Western Truck Insurance Services to bring financial and mental security and to allow your business to operate a bit more smoothly.

What You Need to Know About Truck Liability Insurance

Just as you want to properly insure your personal vehicle, the same is most certainly true when it comes to commercial trucks. Not only does insurance provide you and your drivers with peace of mind, it could also be just the thing to keep your trucking business up and running without having to cover insurance-related damages on your own. Learn more about truck liability insurance from Western Truck Insurance Services and why it should be included on your policy.

Different Types of Truck Liability

One of the very first things you should know about liability insurance is there are several different types. Various kinds include:

  • General liability
  • Primary auto liability
  • Non-owned trailer liability & Trailer interchange
  • Motor Truck Cargo Liability

Primary Auto Liability Insurance

At the very least, you should have auto liability insurance on all your trucks, which is a requirement in all 50 states. With this liability insurance, any damage or injuries to other motorists that result from an accident deemed the fault of one of your drivers would be taken care of. In addition to primary auto liability insurance being required in all states, there are also specific minimum limits required, so be sure you meet those limits. Because there might be more than one vehicle and/or person involved in an accident, which can compound costs, it’s often a good idea to have more than the bare minimum.

General Liability Insurance

With general liability insurance, your trucks are covered when they otherwise aren’t on the road, such as when they’re parked at restaurants, in a parking lot and even while loading and unloading. You can also be covered against theft and vandalism. One thing worth pointing out here is that general liability insurance can be broken down into several smaller packages, so be sure you look over and understand your options before reaching a final decision.

Further Examples of Incidents Covered by Truck Liability Insurance

So you understand what you’re truly getting with liability insurance, there are some specific covered incidents we’d like to share. If a package is delivered and later discovered to be damaged, your liability insurance will take care of it without you having to spend money on a replacement. Should anyone become slip and fall inside a truck, any resulting injuries will be handled by liability coverage.

There’s a chance you or your business could be made the target of slander or libel. Should you decide to take legal action, your liability policy will take care of the legal fees, which is sure to bring you great personal and financial relief.

Understand Your Limits

As you can see, there’s a lot that can be covered by liability insurance for trucks. That being said, there’s just as much that is not covered by this particular type of insurance. While you’re talking with agents about cultivating your policy, be sure you ask about your limits and common incidents that fall out of the range of your policy. Even better, ask if there are any riders you can or should add to your liability policy. Also, be sure to ask about insurance restrictions you should be made aware of.

Do What You Can to Lower the Cost of Liability Insurance

Because you’ve got more to pay for than just the cost of truck insurance, it makes sense for you to find ways to reduce the overall cost of coverage. For instance, make sure your drivers remain safe while on the road since their driving records directly influence how much you can expect to pay for coverage.

Just as driving records impact how much you can expect to pay for insurance, the same is true of your credit score. This is because insurance carriers often consider consumers with low credit scores as financial risks who are likely to be poor drivers as well. No matter how you might feel about this comparison, it’s always in your best interest to do everything you can to improve your personal as well as your business credit score.

You should also make sure your drivers are dependable and trustworthy. Putting reckless and poorly experienced drivers behind the wheel can increase the chances of an avoidable accident, which can drive up your premium costs. Additionally, make sure your drivers are well-aware of the latest trucking laws and your company’s safety policy.

To know which types of truck liability insurance are best for you and your drivers, sit down with an experienced agent to go over each type and talk more about where your business is now and where you’d like to take it in the future so you always have the coverage you need no matter how or when things might change.

Choosing the Right Commercial Truck Insurance

While it’s great to have commercial truck insurance to protect your employees as well as your business, you’ve got to make sure you’ve got the right type of insurance and that you work with an agent who knows what she or he is doing to ensure you’re getting the protection and peace of mind you need. Here are a few tips for selecting the right trucking insurance.

You Have Control Over How Much You Pay

One of the first things you should realize is you have more control over the final price of your policy than you might realize. For instance, if your trucks are more expensive, you can expect your premiums to be more expensive as well, which makes perfect sense when you think about it. There’s also the fact that lighter trucks don’t cost as much to insure as heavier trucks.

How you use your trucks also influences how much your insurance will cost. Companies that are service-focused or specialize in retail purposes often don’t pay as much for coverage as businesses that deliver products and goods. While you most certainly shouldn’t base your business on how much you have to pay for insurance, such information is beneficial when determining the ongoing costs of your company.

Ask What Kind of Coverage You’ll Have

Because not all insurance companies operate the same way, clearly ask your agent what kind of coverage the truck insurance policies have. Some of the most common coverage types include:

  • Towing and labor costs
  • Bodily Injury & Property damage liability
  • Comprehensive & Collision coverage for damage done to  your vehicles.
  • Loading and unloading liability
  • Non-owned or Hired Auto coverage, in case you ever need to rent a vehicle
  • Medical payments

Here is where you want to be completely open and honest about the overall nature of your business, where your business is now and where you’d like to take your business in the future; let your agent get to know you and your trucking company inside and out. Make sure the insurance company can offer you the coverage you need.

Explore Your Payment Options

Your company finances will play a big part in how you pay for your insurance. While you can always pay your policy in monthly installments, it’s often less expensive to pay your annual premium in a single lump sum, mainly because insurance companies often offer discounts for doing so. Besides monthly and annually, you might also have the option of paying bi-annually. Once you know which paying option works best for you, see what options your agent  can offer so you get the best deal with the coverage you need. Speaking of which…

Determine How Much Liability Coverage You Need

Liability plays a big part in your insurance policy and your peace of mind if you ever have to file a claim. Again, here is where you want to offer full disclosure to your insurance agent about your business and your business operations. Once you know how much liability coverage you require, compare costs and specific coverage details with the insurance companies you’re considering.

Know Your Limits For General Liability

Another key to getting just the right truck coverage is to know your policy limits; specifically, your occurrence limit and your aggregate limit. Occurrence limit is how much you’ll pay to make a single claim while your aggregate limit is the full amount your coverage will pay for all claims made in a single year. This information helps you determine if you should make a claim for an incident, consider paying the damages on your own or seek a viable alternative without putting your coverage at risk.

Find Out About the Cost of Your Deductible

Because no insurance policy is complete without a deductible, find out what yours will be. While you can always raise the cost of your deductible to lower your insurance premiums, it shouldn’t be so high that you can’t actually afford to pay the deductible should you ever have to file a claim. In any case, it’s best that you always have enough saved up in a business account that you can easily and quickly pay your deductible if need be.

Know How the Claims Coverage Works

To get back to business as soon as possible after an accident, learn how to file a claim the right way and do so in a way that you stand the best chance of having your claim accepted.  Generally, it is best to seek  assistance in claim presentation from your agent.   . Additionally, ask if you can start the claim online or through a phone app to speed up the process in case an adjustor isn’t able to get out to you or your driver ASAP.

It might take some time to find the right truck insurance, but the hard work is certainly worth it. Use these tips and your own judgment to find the best fit.