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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
Do you own a commercial truck in West Virginia? Do you ever transport goods across state lines, or drive with multiple passengers? Having the appropriate commercial truck insurance is essential for anybody operating a commercial truck, regardless of what state you are in. In West Virginia, there are specific requirements for commercial truck insurance that must be met before any truck operations can take place. In this document, we will explain the ins and outs of West Virginia commercial truck insurance, so you can make sure your truck is properly insured and compliant.
What is Commercial Truck Insurance?
Commercial truck insurance provides coverage against losses incurred due to an accident or other occurrences involving a commercial truck. It covers not only the driver, but also the cargo and any other vehicles or people involved in the accident. Commercial truck insurance typically includes coverage for property damage, liability, medical expenses, legal defense costs and more. Additionally, some policies may provide coverage for the loss of business documents or property due to theft or vandalism.
West Virginia Commercial Truck Insurance Requirements
The West Virginia Department of Motor Vehicles (DMV) mandates that all commercial trucks operating within the state must have a minimum amount of insurance coverage. These requirements vary based on the type of vehicle and its use. Here are some general guidelines to follow:
1. Auto Liability Insurance: Every commercial vehicle must carry a minimum amount of auto liability insurance, which includes bodily injury and property damage coverage. The minimum levels of coverage required are $25,000/$50,000/$25,000 for bodily injury liability, and $25,000 for property damage liability per accident.
2. Hired or Non-owned Auto Liability Insurance: If your business regularly hires drivers to operate commercial vehicles on your behalf, you must carry hired or non-owned auto liability insurance. This coverage applies when an employee uses their own vehicle while performing services on behalf of your business, such as deliveries or customer service calls. The minimum amounts of coverage required are $50,000/$100,000/$50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident.
3. Motor Carrier Work Comp Insurance: If you employ any drivers working exclusively on commercial vehicles operated by your business, then you must carry motor carrier work comp insurance. This coverage offers compensation for various injuries or illnesses that may occur during the course of employment. The minimum amount of coverage required is $250,000 per accident or illness.
4. Non-business Use Coverage: If you use any commercial vehicles for non-business use (for example, personal errands or vacation trips), then you must include non-business use coverage in your policy. This coverage will cover any accidents or damage caused by personal activities performed in the truck outside of work hours. The minimum amount of coverage required is $25,000/$50,000/$10,000 for bodily injury liability per accident and $25,000 for property damage liability per accident.
5. Cargo Insurance: If you transport cargo in your commercial vehicles on a regular basis, then you should consider adding cargo insurance to your policy. This would cover any losses incurred due to theft, vandalism, or damage while in transit. The minimum amount of coverage required is $50,000 per load.
6. Uninsured/Underinsured Motorist Coverage: If your driver is involved in an accident with an uninsured or underinsured motorist, then Uninsured/Underinsured Motorist coverage can help cover any damages or medical bills resulting from the accident. The minimum limits required are $25,000/$50,000 per person, and $25,000 per accident.
7. Physical Damage Insurance: Physical Damage insurance protects your vehicle against damage due to an accident or other occurrences such as theft or vandalism. The minimum amounts of coverage required are $50,000 for collision and $50,000 for comprehensive.
Keep in mind that these are just the basic requirements; depending on the type of vehicle and its use (for example delivering hazardous materials) additional insurance may be needed to meet state requirements. Additionally, some companies may also require higher limits on certain types of coverage than those listed above.
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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 West Virginia business types. >Click here to get your free West Virginia 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.
Having the right commercial truck insurance is important for anyone operating a commercial truck in West Virginia. Understanding the state’s requirements is key to making sure that your business stays compliant and adequately protected from any potential risks associated with operating a commercial vehicle within the state’s borders. We hope that this document has helped clarify what West Virginia commercial truck insurance entails so that you can make sure your truck operations are both safe and legal.