You, Your Truck, and Your Truck Insurance

Getting truck insurance for your personal rig is as easy as getting car insurance.

The only difference between insurance on a car and a truck is the different use of each vehicle.

Your truck is important to you. It gets you to where you need to go, it takes care of your heavy jobs and for some it is the key to their livelihood. But, no matter how you use your truck, it is essential and required that there be truck insurance coverage on it.

Overall, getting truck insurance is the same as getting car insurance. They are covered on the same type of insurance policy and they even have the same coverage available. For some, there is even no difference in the premium that they pay for the insurance coverage that they have on their car and their truck insurance.

Truck Insurance vs. Car Insurance

Truck insurance is car insurance. In our case though, we are talking specifically about car insurance that you purchase for your truck. The reason that they may seem to be different is because of how each are used.

Trucks are thought of more as work vehicles and to handle heavy towing jobs. Cars are just for getting you from point a to point b. These differences bring up different coverage issues that a truck may face that a car won’t. But, anything that happens to a truck that is covered under truck insurance would also be covered for your car.

Truck Insurance for Towing

Many people purchase their trucks to tow around their toys. No, I’m not talking about the items that you would find on the shelves of Toys-R-Us. I’m talking about boats, campers, ATV trailers and other toys like that.

If you are towing something with your truck, you may be surprised to know that the item you are towing is only half insured. Huh, half insured? How can you be half insured?

In this case, half insured means that the item you are towing is only covered by your truck insurance for any damage that it may do (liability). There is no coverage for any damage done to the item being towed; even if you have comprehensive and collision truck insurance.

For there to be insurance coverage on the item that you are towing, you have to purchase a special policy for that specific item. For example, if you are towing a boat, you will need boat insurance

Truck Insurance and Company Equipment

If you own a business or you haul around equipment that you use for work, keep in mind that there is no coverage for it under your truck insurance. Just like with cars, your truck insurance only covers your truck and the items attached to your truck.

If you were to have personal equipment stolen out of the back of your truck, you would have to file the claim under your homeowner’s insurance. If the equipment was for a business, the coverage would be under your inland marine policy. If you don’t have either of these types of policies, you need to sit down with your insurance agent. They can help you make sure that you have protection for the stuff your truck insurance doesn’t cover.