Truckers coverage is often limited to what the State laws prescribe. Often times, this is far too inadequate to keep the owner/driver fully protected against financial risks arising from accidents. Being an informed owner/driver is the best way to keep yourself protected from significant financial liabilities caused by an accident. Many insurance carriers offer a commercial umbrella or excess insurance endorsements. Obviously, these endorsements will cost you a couple of hundred dollars more in insurance costs. But, when you consider that claims arising from an accident can potentially cost you several thousand dollars, you can immediately see why the additional spend on insurance is sensible.
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