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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
Montana Commercial Truck Insurance and Requirements
In Montana, commercial trucks are required to be insured in order to be used on roads and highways. The specific type of insurance needed for a commercial truck depends on the truck’s size, type, and purpose. Different types of commercial trucks have different legal requirements when it comes to insurance and inspections. If a commercial truck driver is found to be operating a truck without the proper insurance, they can face serious penalties including fines, license suspension, and even jail time.
Below, we will discuss the different types of Montana commercial truck insurance and the requirements that fleet owners and drivers need to be aware of in order to stay compliant with state laws.
What Is Commercial Truck Insurance?
Commercial truck insurance is a form of liability insurance that protects trucking companies and drivers from accidents or other losses resulting from their work. It is designed to provide coverage in the event of bodily injury, property damage, and other liabilities that may arise while operating a commercial vehicle. It also covers any legal fees related to potential litigation arising out of incidents involving the insured truck.
As a general rule, all commercial vehicles that drive on public roads must be properly insured according to state laws. In Montana, this means the owner must obtain liability insurance with minimum policy limits that match those set forth by Montana state law.
Types of Commercial Truck Insurance in Montana
There are two main types of insurance that commercial trucks need in order to comply with Montana state laws: liability and physical damage coverage.
Liability Insurance: Liability insurance is designed to protect drivers from financial losses stemming from any car accident they may cause. The policy should include at least $25,000 for bodily injury or death sustained by one person, $50,000 for bodily injury or death for multiple people, and $10,000 for property damage caused by the driver or their employees. This type of insurance is often required by law even when no one else is at fault in a car accident.
Physical Damage Coverage: Physical damage coverage is designed to protect commercial truckers from losses due to theft or vandalism of their vehicle(s). This coverage will cover repairs to the vehicle or shipping costs if there is a loss of freight due to theft or vandalism. The specific terms of this coverage will vary depending on the policy. Generally speaking, it should cover any damage caused by theft or vandalism up to the predetermined coverage amount outlined in the policy.
Requirements for Commercial Truck Insurance in Montana
In order to legally drive a commercial truck on public roads in Montana, drivers must obtain the proper commercial auto insurance with at least the minimum liability limits required by state law. Additionally, all insurers writing private passenger auto policies in Montana must also offer physical damage coverage as an optional coverage.
There are also certain federal regulations regarding minimum levels of commercial motor vehicle insurance for interstate commerce carriers (e.g., those crossing state lines). These regulations require interstate carriers to have at least $750,000 of liability coverage per vehicle (or combination of vehicles) used in interstate commerce as well as any additional endorsements required by state or local laws.
In addition to obtaining the necessary insurance, all commercial trucks registered in Montana must also pass an annual inspection conducted by a qualified motor vehicle mechanic before being allowed on public roads. These inspections ensure that the vehicle is safe for operation and not posing a risk for collision due to mechanical problems.
Penalties for Failing to Obtain Commercial Truck Insurance in Montana
In Montana, it is illegal to operate a commercial vehicle that has not been properly insured according to state laws. If a driver is found driving an uninsured vehicle, they could face severe penalties including fines up to $500 as well as license suspension and possible jail time if convicted. There may also be potential legal liabilities if any personal injury or damages were caused by an uninsured vehicle. In these cases, legal fees could exceed the amount paid out by an uninsured driver’s own policy, which could lead to significant expenses down the road.
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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 Montana business types. >Click here to get your free Montana 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.
To conclude, it is important for all commercial truckers in Montana to make sure their vehicles are properly insured according to state laws as well as pass routine inspections conducted by qualified mechanics. Having proper coverage can help protect your business from costly accidents or other damages stemming from your work. Furthermore, failure to carry adequate insurance can result in serious penalties ranging from fines and license suspension to incarceration if convicted of operating an uninsured vehicle. Therefore it is always important for owners and operators of commercial trucks to ensure their vehicles are properly insured and maintained at all times when operating on public roads and highways within Montana’s borders.