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Call us today to get complete Maine 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
Maine Commercial Truck Insurance and Requirements
Commercial truckers play an important role in the American economy, moving goods and services throughout the country. It is essential that these drivers, who bear such a large responsibility, are properly insured to protect their cargo, their business, and the general public. Maine’s commercial truck insurance and requirements strive to ensure that both truckers and other travelers remain safe on the roads.
The state of Maine requires all vehicles over 10,000 pounds to carry commercial truck insurance. This insurance is designed to protect the trucker and his or her cargo in the event of an accident. Most coverage plans provide for physical damage coverage, liability coverage, and uninsured/underinsured motorist coverage. Physical damage coverage is designed to protect the truck from damage caused by an accident, theft, vandalism, fire, or other hazard. Liability coverage helps protect the trucker from being held responsible for any physical damages or injuries caused in an accident. Uninsured/underinsured motorist coverage protects the trucker from any damages or injuries caused by someone without insurance or with insufficient insurance for the incident.
In addition to purchasing insurance, commercial truckers must also obtain license plates and registrations with the state of Maine. All vehicles over 10,000 pounds must be inspected annually to ensure they meet all safety requirements. This includes checking lights and brakes, inspecting tires, and ensuring that all cargo is securely loaded.
Maine also has specific regulations regarding how a commercial truck must be driven. All drivers should adhere to all posted speed limits and follow traffic laws. Since commercial trucks are much larger than regular vehicles, drivers should take extra care when driving around turns and merging onto highways. They should always leave plenty of room between themselves and other drivers, especially when making turns. Drivers should also allow extra space at intersections and use their turn signals whenever necessary.
Commercial truckers must also be aware of weight limitations when operating in Maine. Bridges, tunnels, and other loads-bearing structures have maximum weight limits that must not be exceeded. Any vehicles that exceed these limits may be subject to fines or even vehicle impoundment. It is also important for truckers to adhere to state laws regarding parking of commercial trucks. This includes being aware of posted restrictions and obtaining permits whenever necessary.
The state of Maine also requires commercial truckers to obtain medical cards before operating their vehicle. This card must be obtained through an approved provider and renewed annually by meeting certain safety requirements such as a vision screening and drug screening. Medical cards can be obtained online or through designated providers.
Finally, all truckers should familiarize themselves with Maine’s reporting requirements in case an accident occurs. Any vehicle over 10,000 pounds must be reported to the Motor Vehicle Division if involved in an accident resulting in injury or death, or if more than $500 in damages occur. Additionally, all accidents must be reported through written documentation within 48 hours so that relevant information can be collected by both parties involved.
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 Maine business types. >Click here to get your free Maine 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.
Commercial trucking is a critical part of the American economy and it is essential for drivers to be properly insured and abide by all applicable laws in order to protect their cargo, their business, and other travelers who may share the road with them. By understanding Maine’s commercial truck insurance requirements, drivers can operate in compliance with the state’s regulations while keeping both themselves and others safe from harm on the roads.