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Call us today to get complete Oklahoma trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.
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
Oklahoma Commercial Truck Insurance and Requirements
Heavy goods vehicles, particularly those that cross state borders, are subject to a range of legal requirements in the state of Oklahoma. The Oklahoma Department of Public Safety (DPS) is responsible for overseeing commercial trucking within the state, regulating safety and compliance with the law. In order to operate a commercial vehicle in Oklahoma, both the driver and the motor carrier must satisfy a number of requirements including having the necessary insurance coverage. This guide provides an overview of the commercial truck insurance and requirements in Oklahoma and how to stay compliant with them.
What is Commercial Truck Insurance?
Commercial truck insurance is a type of insurance coverage designed specifically for truck drivers and motor carriers operating trucks for hire or for business purposes. This type of insurance generally covers bodily injury, property damage, and other expenses that may arise due to an accident involving the commercial vehicle. Most states require commercial truck drivers and motor carriers to purchase a certain level of insurance coverage in order to legally operate a commercial vehicle.
Oklahoma Commercial Truck Insurance Requirements
The Oklahoma DPS requires commercial truckers and motor carriers operating in the state to have a certain level of liability insurance coverage. This minimum level of coverage is known as “financial responsibility” and it must be maintained at all times while the vehicle is being operated within Oklahoma. The minimum amount of financial responsibility required by the state is $750,000 for all bodily injury or property damage claims arising from the same incident.
In addition to this general requirement, motor carriers in Oklahoma must also submit proof of financial responsibility in the form of a certificate or surety bond with the DPS prior to transporting cargo or passengers within the state. The certificate or bond must provide proof of insurance coverage for each vehicle operated as well as any trailer or other equipment used in such operations. The minimum amount for this proof of financial responsibility is $50,000 for any one accident and $100,000 for any two or more accidents occurring within the same year.
Oklahoma Motor Carrier Requirements
In addition to obtaining the necessary insurance coverage, all motor carriers operating trucks within Oklahoma must also register with the DPS and obtain an Oklahoma Motor Carrier Number (OCN). This number will be used to track safety records and verify compliance with various federal and state regulations. Once registered, all motor carriers operating trucks within Oklahoma must then submit information about their vehicles, drivers, cargo, schedule, and other operational details on an annual basis.
All motor carriers are also required to implement a safety management system that addresses areas such as driver qualification, vehicle inspection, maintenance, operating safety practices, fatigue management, drug and alcohol testing, hours of service, driver records, hazardous materials safety programs and training programs. In addition to these annual requirements, all motor carriers are also required to display their OCN number prominently on their vehicles while they are operating on public roads.
Finally, all motor carriers operating trucks within Oklahoma must comply with the International Registration Plan (IRP) which requires them to file an apportioned registration report every year noting their activity according to each individual state’s laws. This process ensures fair revenue distribution amongst various states when it comes to taxing commercial vehicles operating within their borders.
Oklahoma Commercial Truck Driver Requirements
In addition to the requirements for motor carriers noted above, all commercial truck drivers operating in the state must also adhere to a number of rules and regulations put in place by federal and state governments. These regulations cover areas such as daily log books, hours of service requirements, drug and alcohol testing policies and procedures, vehicle inspection rules, driver conduct guidelines and other safety related measures. Drivers must also hold an Oklahoma Commercial Driver’s License (CDL), which covers everything from basic driver’s license information such as age restrictions and licensing fees to specialized endorsements such as HAZMAT or Air Brakes certification.
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 Oklahoma business types. >Click here to get your free Oklahoma 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.
Trucks are a critical element in the thoroughfares around our nation and should be driven in compliance with applicable laws. For those wanting to travel through Oklahoma’s roads, a few steps should taken – getting licensed commercially if needed and having proper insurance. Motor carriers are responsible for keeping their trucks safe compliantly by making sure they have proper insurance coverage and registering with the DPS if needed. Drivers should satisfy all appropriate licensing conditions through a CDL and make sure they understand the rules and regulations set forth by both federal and state laws while they are on the road. With careful preparation leading up to driving through Oklahoma and being cognizant of your surroundings while doing it – driving through this great state can be done safely and efficiently!