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How to Choose Commercial Truck Insurance

Commercial truck insurance is important because there are many truck accidents every year. It is not only mandatory for truckers to have insurance, it’s mandatory for them to maintain it as well. Depending on the type of truck you have, you may need one or two types of insurance specific to your vehicle. Choosing the right insurance is important, and it’s a good way to set a driver up for success. There are some things that an individual can do to ensure the process is as smooth as possible. 

Ensure Amount of Coverage Is Satisfactory

Individuals will want to ensure that they get the proper coverage when they get a truck. You’ll want to ensure that you talk to your insurance provider and your employer to make certain that all requirements are met. Often, it will make sense to get the maximum insurance policy possible. When picking insurance, ensure that not only is it solid coverage, but it is able to meet all requirements of the company. This will help ensure that any future incidents are covered.

Make Sure the Insurance Satisfies All Laws

When investing in insurance, always check with the laws to make sure that the truck insurance provides the coverage needed within laws. Proper insurance should not only avoid fines, it should help the individuals be able to cover what is needed. Additionally, the person purchasing insurance should check with their employer to make sure that the coverage they have is what the company requires. There is also complete or comprehensive coverage, which would cover the vehicle in case of an act of nature. This would be through the company but it is important to check to see if you need it.

Evaluate All Types of Insurance

When choosing commercial truck insurance, it’s important to note that there are several different kinds. The most important type is liability insurance which is required to be on the road. If you are employed by a trucking company you may already have it. Then, depending on the type of truck you drive, you will need either cargo truck insurance or bobtail truck insurance. Each one has different policies and prices. 

These are the two most common forms of truck insurance as most trucks are either cargo or bobtail. There is also a special type of freight-liner insurance and insurance for over-sized loads. With so many varieties it can be confusing, but many trucking insurance companies offer all of them so be sure to check with an agent and your employer to find out if you need additional coverage.

Read the Fine Print

When purchasing an individual insurance plan, always read the fine print which will clarify the policy. When reading the fine print, look for additional details about the insurance plan as you might discover terms that you were not aware of before. Be sure to ask questions to ensure that the plan is fully understood and make any changes as needed before signing the document. The fine print can also be interpreted by a commercial truck insurance broker. He can help you understand the deals of a contract. This is important as contracts are long term and might be with you for several years.

Is Commercial Truck Insurance For You?

Before choosing a company, take care to compare rates with other companies. Comparing companies will often save an individual money in the long run. When picking an insurance company plan, doing research is very important, so invest time to do that. You should ensure that the policy meets all regulated coverage as mandated by both the company and law. Do not hesitate to ask questions to pick the best insurance. It is extremely important to make sure that every detail is correct when picking commercial truck insurance. 

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You have questions. I have some answers.

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A: The "LiMu Emu," featured in ads for Liberty Mutual Insurance, has been a big hit for the company, which has gotten requests for emu-themed merchandise and has plans for more emu commercials later this summer. As for how the emu appears in the ads, here's the word from Jenna Lebel, vice president, brand and integrated marketing for the company: "LiMu Emu is a mix of a real bird and CGI. Live emus were used during the initial shoot on set. The final images of the emu in the commercials are a blend of footage captured from the live emus and our digitally created emu. Goodby, Silverstein & Partners (Liberty Mutual's advertising agency of record) collaborated with The Mill LA, a creative technology and visual effects studio, to bring LiMu Emu to life. For the commercials, the team created a digital model based on the live emu, which was used to supplement the footage."

Q: A lot of my friends loved watching the new TV show "The Village" and now we hear it was canceled! It was such a nice show about the people in a building and how their lives entwined with each other. Why was it canceled?

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A: "Finder of Lost Loves" starred Tony Franciosa as a man devoted to reuniting loved ones; the cast also included Deborah Adair and Anne Jeffreys. It was one of the many shows producer Aaron Spelling was making for ABC, which also included "Dynasty" and "The Love Boat," but not one of the hits. "Finder" lasted only one season in 1984-85. That theme song you liked was written by Burt Bacharach and Carole Bayer Sager and performed by Dionne Warwick and Glenn Jones.

But ... I do not know of an authorized release of the show on DVD. There are some episodes available on YouTube; the audio and video are not great — but there are some old commercials in them, which may entertain.

Do you have a question or comment about entertainment past, present and future? Write to Rich Heldenfels, P.O. Box 417, Mogadore, OH 44260, or [email protected]. Letters may be edited. Individual replies are not guaranteed.

Is that a real emu in Liberty Mutual’s TV ads

You have questions. I have some answers.

Is the emu in that insurance commercial real or CGI?

The “LiMu Emu,” featured in ads for Liberty Mutual Insurance, has been a big hit for the company, which has gotten requests for emu-themed merchandise and has plans for more emu commercials later this summer. As for how the emu appears in the ads, here’s the word from Jenna Lebel, vice president, brand and integrated marketing for the company: “LiMu Emu is a mix of a real bird and CGI. Live emus were used during the initial shoot on set. The final images of the emu in the commercials are a blend of footage captured from the live emus and our digitally created emu. Goodby, Silverstein & Partners (Liberty Mutual’s advertising agency of record) collaborated with The Mill LA, a creative technology and visual effects studio, to bring LiMu Emu to life. For the commercials, the team created a digital model based on the live emu, which was used to supplement the footage.”

A lot of my friends loved watching the new TV show “The Village” and now we hear it was canceled! It was such a nice show about the people in a building and how their lives entwined with each other. Why was it canceled?

The ratings just were not good enough for NBC. While the show appeared likely to appeal to viewers of the NBC hit “This Is Us,” it “got off to a slow ratings start” and did not really improve, Deadline.com reported. TVLine.com added that even the early numbers faded when the show had to stand on its own, without lead-in help from other, more established shows.

Will “Power” and “Outlander” on Starz be coming back? Why do they take so long between seasons?

“Power” will be back on Aug. 25 for its sixth season, dubbed “the final betrayal” as it wraps up the series. Two more seasons of “Outlander,” the fifth and sixth, have been ordered but I have not seen an airdate for its return. Shows these days do not always follow what we older TV viewers saw as routine schedules. Long gaps between seasons are not unusual, especially when the shows involve big stars with other commitments, elaborate locations, methodical writers and other challenges — or when programmers want to spread out the goodies in their lineups.

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I was wondering if the TV show “Finder of Lost Loves” is available in DVD.

“Finder of Lost Loves” starred Tony Franciosa as a man devoted to reuniting loved ones; the cast also included Deborah Adair and Anne Jeffreys. It lasted one season in 1984-85.

But … I do not know of an authorized release of the show on DVD. There are some episodes available on YouTube, however.

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