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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
Kentucky Commercial Truck Insurance and Requirements
In the state of Kentucky, commercial truckers must abide by specific insurance and registration laws. They are responsible for carrying liability insurance on their trucks to provide financial protection for property damage as well as bodily injury caused by their truck. Additionally, a variety of vehicles require special registration with the Kentucky Transportation Cabinet. As a result, it is important for commercial truckers in Kentucky to understand their insurance and registration requirements.
Defining Liability Insurance
Liability insurance is typically purchased to protect a person or business from financial loss due to another person’s negligence. This kind of insurance covers the cost of damages, court fees, and legal fees. The main types of liability insurance purchased by truckers in Kentucky include bodily injury liability and property damage liability.
Bodily Injury Liability
This type of liability insurance provides coverage for medical bills and other related costs in the event that the insured is liable for another person’s injuries caused by an accident involving their covered vehicle. It also covers damage to another’s property resulting from an accident caused by the insured. Bodily injury liability coverage must include a minimum amount of coverage required by law, which is $25,000 per person per accident, with a minimum limit of $50,000 for all persons in one accident. Additionally, medical payments coverage must be included in bodily injury liability coverage for up to $1,000 per person.
Property Damage Liability
This type of liability insurance is intended to cover damages to another’s property caused by the insured party. There must be a minimum limit of $10,000 for this coverage. Property damage liability insurance can include coverage for the insured’s vehicle and any other vehicle that might be involved in an accident with the insured’s.
Kentucky Statutory Requirements for Commercial Trucks
The Kentucky Transportation Cabinet has established state laws regarding commercial trucking within its borders. The following are some of the requirements:
• All commercial trucks must be registered with the Kentucky Transportation Cabinet.
• A valid driver’s license is needed to operate a commercial truck in Kentucky.
• The minimum age requirement to obtain a commercial drivers license is 18 years old.
• Commercial trucks must be inspected prior to operation on public highways and must comply with federal and state regulations.
• Commercial trucks operating in Kentucky must carry liability insurance in order to be legally registered with the Kentucky Transportation Cabinet.
• Commercial truck drivers must have additional endorsements or permits if they plan to haul hazardous materials or oversized cargo.
• Commercial truck drivers must comply with hours of service regulations set forth by the Federal Motor Carrier Safety Administration (FMCSA).
Kentucky Requirements for Commercial Truck Insurance
The state of Kentucky has established a variety of specific requirements for commercial truck insurance that each trucker must adhere to in order to maintain their operating privileges.
• A minimum amount of liability insurance must be purchased in accordance with the laws outlined above (bodily injury limit of $25,000/$50,000; property damage limit of $10,000).
• Cargo coverage may also be required depending on what kind of freight is being hauled by the commercial trucker.
• Physical damage coverage is recommended but not necessarily required unless it is financed through a bank or other lender.
• Drivers must also purchase Uninsured/Underinsured Motorist (UM/UIM) coverage if they do not already have it included on their personal automobile policy. This type of coverage provides protection against losses with uninsured or underinsured motorists who cause an accident involving the insured’s vehicle.
Additional Requirements for Drivers Hauling Hazardous Materials
Commercial truckers who are hauling hazardous materials are subject to additional requirements from both the federal government and from the state of Kentucky:
• These drivers must obtain a hazardous materials endorsement (HME) from the FMCSA in order to transport hazardous materials across state lines. This requires passing a background check and submitting fingerprints as well as completing additional training courses specific to transporting hazardous materials.
• Additionally, these drivers must register their vehicles with the Kentucky Transportation Cabinet’s Hazardous Materials Program. This requires them to provide proof of an acceptable form of financial responsibility such as surety bonds or self-insurance as well as proof that they have completed safety training courses specific to transporting hazardous materials within the state of Kentucky.
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 Kentucky business types. >Click here to get your free Kentucky 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.
It is important for commercial truckers operating in Kentucky to understand their legal obligations concerning liability insurance and registration requirements. The state has established specific laws outlining what types of coverage must be maintained on every commercial truck operating within its borders as well as additional requirements for those hauling hazardous materials or oversized cargo. It is essential for commercial truckers to meet these requirements in order to avoid costly fines or penalties from non-compliance along with protecting their own assets should an accident occur while they are driving their truck.