Tips for Getting Commercial Truck Insurance after a DUI

While driving under the influence is never a good idea, you might be able to get commercial truck insurance after a DUI if you act fast. First, determine whether you are eligible for a commercial license. Drivers younger than 21 who drive a commercial vehicle are considered unprofessional under the Federal Motor Carrier Safety Administration’s (FMCSA) definition. If you are under 25, need a commercial license, and your DUI is not your first, you can probably get your commercial license back.

Getting commercial truck insurance after a DUI is easier said than done. However, it is possible to obtain this coverage after a DUI conviction. Here’s what you need to know.

Learn about commercial truck insurance

When purchasing commercial truck insurance, it’s important to know the difference between a truck built for business use and a truck that is recreationally driven. While the former must be insured, the latter can be insured either way. While commercial trucks may have added safety features geared toward protecting the driver and hauling cargo, recreational trucks do not. Commercial trucks may also not qualify for certain discounts available for recreational vehicles.

Commercial truck and bus drivers face greater risks on the road. The insurance industry considers commercial trucking to be more dangerous because of the number of vehicles on the road, the number of miles driven, the hours spent on the road, and the potential for traffic accidents. In 2013, there were 1,007,000 commercial motor vehicle crashes. Of those, 135,000 resulted in injuries or fatalities.

Get quotes online

A commercial truck is a vehicle with a gross vehicle weight rating (GVWR) of 26,001 pounds or more, or a trailer with a GVWR of 10,000 pounds or more. These vehicles often carry loads that weigh as much as 80% of the road weight. For an individual, the consequences of driving a truck that weighs this much could be serious. Not only could an accident or collision cause your vehicle to tip over, but you could be injured and you could damage property. If you or a loved one has been in an accident with a truck or other commercial vehicle, call an attorney.

Getting commercial truck insurance quotes online is simple and easy. Just go online and type “Commercial Truck Insurance” in the search box and you will be able to access the many quotes available. You can also check your local Times Union newspaper or any Commercial Trucking magazine for ads by companies that sell commercial truck insurance.

Shop around for quotes

If you have a commercial truck, you know how important it is to protect it. Truck insurance is an excellent way to do this, and finding the best business insurance company for your needs is essential. Use this guide on what to look for in a commercial truck insurance policy.
1. Commercial truck insurance quotes should be based on a risk analysis
2. You should have access to multiple insurance quotes
3. Different quotes from different insurance companies can be compared
4. You should understand the insurance contract before signing it

It’s no shock that commercial trucks are expensive. It’s a big investment—a big investment that can cost thousands. You need insurance to cover your investment, but what does that actually look like?

Know your rights

Commercial vehicle insurance is regulated by each state, so to learn more about your state’s specific commercial vehicle insurance laws, visit the National Association of Insurance Commissioners. But as a general guideline, commercial auto insurance policies are not one-size-fits-all. For example, the company may require you to carry commercial truck insurance and a commercial auto insurance policy, but may not require you to carry both. So, it’s important to know your state’s requirements before you choose a commercial vehicle insurance policy.

Truck insurance can be complicated, but that doesn’t mean you shouldn’t understand all of the terms and provisions. Truck insurance can be confusing, but understanding it is a critical component of operating a vehicle.

Check to see if you will need SR22 insurance

If your license has been revoked, suspended, or canceled for violations, you will need to find SR22 insurance before you can get it back. SR22 insurance is a document that certifies that you have the financial means to continue to provide insurance for your automobile or other type of vehicle. Your insurance company will typically provide you with a proof of SR22 insurance certificate which you will need to provide to the DMV. In order to find SR22 insurance, you will need to contact your insurance provider and ask if they can offer you SR22 insurance.

Your truck needs truck insurance, but so do most drivers. Although you may only drive a few miles a month, the associated costs can be high, especially if you get into an accident or your truck is damaged or stolen. So, how can you lower the cost of your auto insurance? By getting truck insurance that best fits your needs. Most people need liability truck insurance, which covers any damages you cause to other people, their property, or their vehicle. You may also choose to get coverage that protects you financially if you’re sued.

Make sure you are approved for insurance

Even though you have a commercial driver’s license (CDL), that doesn’t mean you get the same insurance benefits as a passenger car. Most states require commercial truck insurance, but some companies require you to be approved before they’ll insure you. So, how do you know if your application has been approved?

Are you thinking about buying a truck? Perhaps you are thinking about leasing a vehicle or renting one from a trucking company. Either way, you will need to make sure you are approved for commercial truck insurance.

In conclusion, once you’re aware of the new restrictions, you can make an informed decision about whether you’re willing to take that risk. If you are able to transport goods, you have a responsibility to do so safely and legally. The 2018 DUI laws have been tightened with harsher penalties. This is because statistics show that the majority of those driving impaired are commercial drivers.

Posted in Commercial Truck Insurance.