What Insurance, Permits, Etc. Do I Need to Get Started?

One of the biggest questions we encounter from new drivers is, “What do I need?” Interstate truckers need a variety of permits, registrations, insurance policies, etc. to ensure they are in compliance with various state and federal laws. We can help you with the specifics for your situation (just give us a call), but this will give you a good idea of where to start.

Permits, Authority, and More… What Do I Need?

The various regulatory permits and registrations needed can vary quite a bit depending on which states you’ll be running through, but there are a few basics you’ll most likely need. Let’s take a look:

·         DOT Number

·         FMCSA MC Authority

·         Truck Registration

o   IRP

o   Unified Carrier Registration or UCR (formerly Single State Registration or SSRS)

o   IFTA (International Fuel Tax Agreement)

·         Individual State Permits- Some states require additional permits and fees. Things like oversize and overweight permits only apply if your specific load requires it, but some fees apply to even standard sized loads. For example you may encounter Weight Distance Taxes, fuel taxes that are paid to the state directly (and not charged with fuel), property taxes, and other required permits and fees.

Insurance… How Much Coverage Is Enough?

Although you may need higher limits, depending on your circumstances, the following coverages are most common for trucking and transportation:

·         $1 Million Commercial Auto Liability

o   $1,000 Deductible  for Physical Damage Coverage

·         $100,000 Motor Truck Cargo

o   $1,000 Deductible Non-Owned Trailer Coverage

The best way to determine how much insurance you need specifically is to talk with one of our agents. We aren’t just here to sell a policy, but to educate, inform, and help you in your journey. We want you to have access to the highest quality insurance products at highly competitive rates. We can help you determine what coverage you need and which insurer can best provide it.

Getting started in the transportation industry can be confusing, but don’t let that stop you. We’re here  to help you figure out what you need so you can… Travel with Care.

Paperwork Fraud: Don’t Be A Victim

Outside of the industry, people think that truckers deal primarily with large objects and various types of freight. However, when it comes down to it, you probably spend a lot more hands on time with various types of paperwork. Sure, the freight’s there, but it’s the paperwork that accompanies this freight that you rely on. Is your paperwork in order? Falsified paperwork is more common than you might think and is a contributing cause of theft in the trucking industry. Protect yourself this holiday season by staying alert and by making sure your paperwork is always legitimate.

Bills of Lading

Bills of lading are designed to protect both truckers and shippers alike. They outline the terms of your contract with the shipper and ensure that both parties are aware of charges, delivery requirements, etc. While bills of lading often protect, fraudulent versions can actually do a lot of harm.

Bill of lading fraud can take on many faces, but a few common manifestations include:

·         Fraudulent Release Forms- A fraudulent bill of lading or auction release form has the potential to trick the holder of an item into releasing it to an unauthorized party. While not a big problem for truckers, this is something shippers should pay close attention to. Carefully check all documents before releasing a shipment. Make sure paperwork is in order and compare forms (color, style, paper type, etc.) to known legitimate forms looking for counterfeits. 

·         Signed as Delivered Without Delivery- A signed bill of lading is your key to payment once a load has been delivered; some truckers falsify these forms to get payment on loads not delivered. Often these falsified forms are processed through factoring companies or quick pay programs so the payment is made before the fraud can be discovered.

·         Incorrect Forms- Protect yourself when picking up loads by carefully checking the bill of lading before leaving the pickup site. The items loaded on your truck should match the inventory listed on your documentation. Check serial numbers, etc. to ensure that you have the right load and accompanying paperwork. Any agreed upon terms should be listed on your bill of lading. Pay attention to any restrictions on delivery, especially those that could result in docking of pay (guaranteed delivery dates, etc.). Taking pictures of your load (especially any previous damage) and paperwork can help to protect you should trouble arise.

Certificates of Insurance

Is your insurance up to date? Falsified certificates of insurance can be a big problem in the transportation industry and are something we all should look out for. We make it easy for you to provide legitimate copies of your insurance information using our simple online tools.  

Permits and Other Documents

Permits are another paperwork area with the potential for fraud and theft. Make sure that you file for permits yourself or that you use a reputable permit company. Familiarize yourself with the permits needed for each state and with the way each permit should look. Make sure the information listed on your permits is correct from load size and weight to truck information to commodity information.

As we enter the holiday season make sure to keep yourself safe from paperwork fraud by staying aware. Make sure your paperwork is in order and have a happy, safe and productive holiday season this year.