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MOST REQUESTED COVERAGE’S
Auto Liability, Motor Truck Cargo Coverage, Commercial General Liability, Medical Payments, Uninsured Motorist, Underinsured Motorist
Personal Injury Protection (PIP), Owned Auto, Non-Owned Auto, Hired Auto, Collision Coverage, Comprehensive Coverage and Trailer Interchange
Michigan Commercial Truck Insurance and Requirements
In the state of Michigan, commercial truck drivers and companies are responsible for maintaining certain insurance requirements, in order to ensure the safety of drivers and other motorists on the road. With such a large number of commercial trucks travelling through the state, it is important that these regulations are followed to create a safe and secure environment for everyone. This guide will provide an overview of Michigan commercial truck insurance and requirements, so that drivers and companies alike can be adequately prepared for their travels.
General Requirements
In Michigan, commercial trucks must be properly insured based on their size, type, and use. Insurance policies must include coverage for liability and property damage due to accidental injuries or property damage caused by the truck’s use. Coverage must also be provided for any cargo loaded onto the truck. All policies should be pre-approved by the Michigan Department of Transportation (MDOT) and include a minimum limit of $300,000 for liability, and $100,000 for property damage. In addition, each vehicle must also have uninsured motorist protection, which pays for medical bills or lost wages incurred in case of an accident involving an uninsured or underinsured motorist.
Driver Requirements
In order to operate a commercial vehicle in Michigan, drivers must have both a valid driver’s license as well as an appropriate Commercial Driver’s License (CDL). The required age is 21 years or older. Drivers must also complete regular physical examinations to ensure they are fit to drive, as well as adhere to drug and alcohol testing regulations in order to ensure safety on the roads.
Required Trailer Insurance
Trailers that are used for commercial purposes must also obtain insurance in order to comply with Michigan regulations. Trailers that are used for commercial purposes must hold insurance coverage for liability, property damage, and cargo. Limits vary by trailer size and intended use, but are usually between 500,000 – 1 million dollars.
Cargo Insurance Requirements
In addition to insurance coverage for trailers, any cargo that is being transported by a commercial truck must also be covered. Cargo insurance provides protection for any lost or damaged items while in transit due to weather events, theft, or operation issues. Limits are usually set at least equal to the value of the cargo being transported, with some exceptions noted in certain circumstances.
Hazmat Insurance Requirements
If you intend on transporting hazardous materials, you must obtain special insurance along with your standard coverage. This type of coverage is required in order to ensure that any damage to people or property caused by hazardous materials is fully paid for. Generally speaking, minimum limits required range from 250 thousand – 5 million dollars depending on the type of Hazmat being carried and the size of the vehicle carrying it.
Motor Carrier Safety Requirements
In addition to insurance requirements, Michigan also sets various requirements on companies that transport passengers or hazmat materials which help promote greater safety on the roads. Motor carriers must register their vehicles and maintain an active USDOT number on any vehicle involved with interstate commerce. A Motor Carrier Safety Plan must also be in place outlining all safety procedures that drivers and companies should adhere to during operations. Drivers must also take regularly scheduled breaks and adhere to speed limits according to the magnitude of their load being carried.
Winter Weather Insurance Requirements
Extreme weather conditions can occur at any time in Michigan, especially during winter months when snowfall is typical. Companies that transport goods or passengers during this time should obtain additional coverage for their vehicles in order to cover any damages incurred due to adverse weather conditions or road closures. A separate policy must be obtained specifically for these types of incidents which may include additional liability coverage or replacement coverage if necessary.
Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following Michigan business types. >Click here to get your free Michigan Big Rig Truck Insurance Quote<
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
Conclusion
Michigan has specific commercial truck insurance requirements in place in order to protect drivers and other motorists on its roads. Companies must make sure they are adequately insured while adhering to additional motor carrier safety requirements in order to ensure the safest possible environment while on the road. Drivers must adhere to proper licensing requirements as well as drug and alcohol testing so as to not put other lives at risk while operating a commercial vehicle. With adequate preparation and adherence to established laws and regulations, Michigan can remain a safe place for citizens and travelers alike.