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Colorado Commercial Truck Insurance and Requirements
Colorado is home to an impressive commercial trucking industry, with many large and small businesses operating in the state. As such, it is important for those who own or operate commercial trucks in Colorado to have a basic understanding of the commercial truck insurance and requirements that must be met in order to operate safely and legally on the state’s roads. This webpage is designed to provide an overview of the various commercial truck insurance and requirements that all commercial truckers in Colorado must meet.
Types of Truck Insurance Required in Colorado
Colorado requires that all commercial truckers carry a variety of types of insurance policies in order to operate lawfully in the state. Generally speaking, the types of insurance required for operation within state borders includes liability coverage, cargo coverage, uninsured/underinsured motorist coverage, and physical damage coverage.
Liability Coverage
Liability coverage helps to protect a commercial trucker from any damages to another person or property that are caused by their negligence while operating their truck. This type of insurance includes bodily injury coverage and property damage coverage. Bodily injury coverage will help cover medical expenses for an injured person, while property damage coverage can be used to pay for damage to another party’s property. Most commercial auto policies also include comprehensive and collision coverage for any damages incurred by their vehicle in the event of an accident.
Cargo Coverage
Cargo coverage is designed to protect a commercial trucker’s cargo while they are transporting it across Colorado or any other state. This type of coverage usually pays for the repair or replacement of damaged cargo (up to a maximum amount). Cargo coverage also covers any legal fees associated with any accident involving the trucker’s cargo.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage helps to protect a commercial trucker if they are involved in an accident with an uninsured or underinsured driver. This type of insurance will pay for medical expenses and other damages up to a certain limit, as determined by the specific policy.
Physical Damage Coverage
Physical damage coverage helps to cover repairs to a commercial trucker’s vehicle if it is damaged in an accident or otherwise. This type of coverage is typically sold separately from liability coverage and will pay for repairs up to a certain limit as set forth by the policy.
Driver Qualification Requirements in Colorado
In addition to having the appropriate types of insurance, all commercial truckers operating in Colorado must also meet certain driver qualification requirements in order to be legally allowed to drive commercially within the state. These requirements are generally established by the Federal Motor Carrier Safety Administration (FMCSA) and most states have adopted them in one form or another.
Age Requirement
Most states require that all commercial truck drivers be at least 21 years old before they are allowed to transport cargo across state lines. In Colorado, this age requirement also applies to intrastate operations, meaning all drivers must be 21 or older before they can transport goods within Colorado’s borders.
Medical Requirements
In order to operate a commercial truck in Colorado, a driver must pass a medical exam which covers vision, hearing, and physical conditions. This physical exam must be conducted by a certified medical examiner, who is approved by the FMCSA and registered with the National Registry of Certified Medical Examiners (NRCME). During the exam, the medical examiner will check for any medical conditions that may impede with a driver’s ability to drive safely. If any medical issues are discovered, the Driver must be cleared by a physician before they are allowed to obtain a medical card and start driving commercially.
Criminal Background Check
All commercial truck drivers must also pass a criminal background check before they can legally drive commercially in Colorado. The FMCSA requires that all drivers have a clean driving record with no major violations or accidents within the past three years. In addition, those with felony convictions may not be eligible to obtain the necessary credentials needed to drive commercially within the state.
Other Requirements
knowledge Test Drivers who are new to the commercial trucking industry must pass a written knowledge test in order to obtain the necessary endorsements needed to operate a commercial vehicle within Colorado. This test covers topics such as traffic signs, signals, driving safety regulations, vehicle maintenance, and other necessary information needed to safely operate a commercial vehicle.
Drug Testing All commercial truck drivers are subject to drug screening either before starting work or randomly during their employment. In addition, drivers may be required to undergo drug testing after an accident or incident involving their vehicle occurs. Those who fail any of these tests are subject to disciplinary action and may even lose their license if additional violations occur.
In summary, it is important for anyone operating or owning a commercial truck in Colorado to have a basic understanding of both the various insurance policies required and driver qualification requirements necessary in order to safely and legally operate their vehicle on public roads within the state. For more information on specific requirements for certain types of insurance policies or more detailed information about driver qualifications, please consult your local Department of Motor Vehicles office or contact your insurance provider for assistance.
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 Colorado business types. >Click here to get your free Colorado 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.