Commercial Truck Insurance With Bad Driving Record

Know the Coverages

Last Updated February 01, 2022

Want to discover more about commercial truck insurance with bad driving record? Commercial trucks are the backbone of the economy in New York. They are widely popular for transporting goods from one place to the other. Hence, it is crucial to get insurance for Commercial Truck New York.

commercial truck

About Commercial Truck Insurance With Bad Driving Record In  New York  

Commercial truck insurance is a group of insurance auto policies developed to cover fleet managers and owner-operators’ trucking needs. Moreover, the commercial truck insurance with bad driving record policies begin with primary liability and build upon that foundation with various additional coverages. Trucking insurance is quite different than any other commercial autos. The insurance laws for commercial truck insurance are stringent because of more excellent accident rates. The Federal Motor Carrier Safety Administration(FMCSA) requires truck owners to have absolute minimums before legally hitting the road.

Also, if you’re looking for policies for new established firms make sure to check out our blog on commercial truck insurance for new companies.


commercial truck new york

Minimum Coverage Requirements Of Commercial Truck New York   

Every state has a minimum requirement that is mandatory by every state. In the Big Apple, the minimum coverage requirement includes:

  • Property damage liability ($10,000 per accident): It covers any property damage or loss caused by the victim of a truck accident. It provides coverage for repair and refunds the cost of any part of the damaged property. So, this coverage is mandatory in most states. However, it does not provide coverage for the damage done to your vehicle.
  • Bodily injury liability ($25,000 per person/$50,000 per accident): It reimburses drivers and trucking companies when they cause serious accidents. Also, it pays for any damage or loss caused by the victim of a truck accident. It provides medical bills, legal defense costs, property damage costs, and even funds for future expenses. Also, if you live in the area, you may also be interested in reading our blog about protection reinforcement for your commercial truck Florida.

Other than that, standard commercial truck insurance includes the following coverage:

  • Workers Compensation Insurance
  • Commercial Umbrella Insurance
  • Physical Damage Coverage
  • Medical Payment
  • Bobtail Insurance
  • Rental Reimbursement

What Determines The Cost Of Commercial Truck Insurance With Bad Driving Record?   

Furthermore, in New York, the average commercial truck insurance premiums range from $8,965 to $15,309. The cost estimates vary from one company to another. Likewise, if you’re looking for the best commercial truck insurance in New York you should first understand what you should expect from an insurance carrier. The variation in cost is due to the truck model’s variation, location, driver’s gender, age, and driving radius. Some of the factors that determine the rate of truck insurance are:

  • Credit record
  • Driver’s age and gender
  • The driver’s experience and licenses
  • The price of the truck
  • Payment plans
  • Type of product your business ships
  • Operating area

Here are few tips to lower your truck insurance rates:

  1. Maintain a clean driving record to get decrease insurance rate
  1. Pay your insurance dues yearly to avoid stacking up
  • Consider getting higher deductibles to lower your premium rate
  • Seek discounts and offers
  • Review your policies regularly
how much is insurance for a commercial truck



Why is my commercial truck insurance more expensive with a bad record?

Insurance Companies that sell Commercial Truck Insurance, evaluate speeding tickets, traffic offenses, DUIs, reckless driving, truck accidents, and other violations on your driving record to indicate that you are more likely to get involved in an accident in the near future. Because you’d have to file an insurance claim. As a result, the firm won’t insure you unless you pay hefty insurance premiums to compensate for the risk.

Fortunately, some large insurance companies, such as Renegade, GEICO, State Farm, and Progressive, are generous to high-risk drivers. Other businesses specialize in high-risk automobile insurance. So, do your research and make sure you get the best commercial truck insurance with a bad record.

How do I get affordable commercial truck insurance with a bad record?

Bad drivers don’t have to have bad insurance plans, and they certainly don’t have to pay massive premiums. You may get your driving record cleared up after an at-fault accident or a DUI. All you can do is look for companies that offer reasonable rates to drivers like you.

Does a person's driving record have an impact on car insurance?

Your state’s Department of Motor Vehicles can provide you with copies of your driving records for a fee. Your driving record can influence what you pay for car insurance premiums, though accidents and other traffic violations will eventually fade from your record.

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