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Pickup Truck Insurance

The utility of pickup trucks makes them perfect vehicles for certain types of businesses. Construction contractors, for instance, know the value of a good one.

If you utilize a pickup truck for business purposes, commercial pickup truck insurance is a must-have.

What Is Pickup Truck Insurance?

Because pickup trucks that are used for business purposes face risks that pickup trucks used for personal reasons do not, you may find that personal car insurance companies will not sell you a policy for your work truck.

Pickup truck insurance is a type of commercial auto insurance designed specifically to cover the risks that come with the use of pickup trucks for business purposes and is made up of several types of coverages. Common pickup up truck coverages include:

  • Liability.
  • Collision.
  • Comprehensive.

Liability

Your liability insurance on your pickup truck insurance policy will help cover injuries or damages you cause to others when you're at fault in an accident.

The majority of states require that all registered vehicles driven on public roads have liability insurance coverage. Your pickup truck is no exception.

Liability insurance is split into two coverage types:

  • Bodily injury.
  • Property damage.

All states that do require liability insurance have set limits for each coverage type that your policy must meet.

Combined Single Limit

Some commercial auto insurance companies will sell you a combined single limit that equals or exceeds the combined required limits of bodily injury and property damage.

Collision and Comprehensive

These two types of coverages make up what is often referred to as physical damage coverage.

Unlike liability insurance, which only pays for damages to someone else's vehicle in an accident you cause, collision and comprehensive coverages will help cover damages to your pickup truck. Specifically:

  • Collision coverage will helps with repairs and replacement if your pickup truck is damaged in a traffic accident.
  • Comprehensive coverage will cover repairs and replacement of your pickup truck if it is damaged due to:
    • Fire.
    • Theft.
    • Inclement weather.
    • Vandalism.
    • Collisions with animals.

Speak with commercial auto insurance company to find out which specific incidents are covered.

Trailer Insurance

If you use your pickup to pull a trailer, you may need to purchase trailer insurance as well.

Some policies allow you to extend your vehicles liability to your trailer. However, most do not and you will have to purchase a separate policy for your trailers.

When shopping for commercial auto insurance, ask your agent about trailer insurance options.

Purchasing Pickup Truck Insurance

Your pickup is an important part of your business. Purchasing the right policy will help you make sure it is well protected.

Many commercial insurance companies simplify the process of shopping for pickup truck insurance by offering free online pickup truck insurance quotes. When you are comparing commercial auto insurance quotes, make sure the insurance company factors in any optional coverage you want added onto your policy.

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