Frequently Asked Commercial Truck Insurance Questions
Table of Contents
Primary Liability Insurance
- What does Primary Liability Insurance Cover?
- What Primary Liability limit do I need?
- Is Primary Liability Coverage required by law to
operate my truck?
- Am I covered if I travel over state lines?
- What determines the premium of my Primary
- Where can I find licensing information for your
- How long will it take you to bind my policy?
- How do I add or delete a driver from my policy?
- How do I add or delete a vehicle from my policy?
Motor Truck Cargo Insurance
- What does Motor Truck Cargo Insurance cover?
- Am I required by federal law to carry Motor Truck Cargo Insurance?
- What determines the limit of Motor Truck Cargo Insurance I should
Bobtail/Non-Trucking Liability Insurance
- What is the difference between Bobtail/Non-Trucking Liability and
- What do I need in order to obtain
Bobtail/Non-Trucking Liability Coverage?
- Why do I need Bobtail/Non-Trucking Liability
- What happens if I change the company I am leased
- Do you offer short term insurance so
I can move my truck from one location to another?
ICC/MC Authority DOT Numbers
- What is ICC Authority/MC Authority?
- Who is required to have ICC Authority/MC
- What is the minimum insurance coverage required to
obtain an MC #/ICC Authority?
- How much will obtaining my ICC Authority/MC#/
- What is Single State Registration?
- Who must Apply for DOT numbers?
Primary Liability Insurance
What does Primary Liability Insurance Cover?
This coverage option protects you from damage or injuries to other people as
a result of a truck accident. You select your limit of coverage at the time of
What Primary Liability limit do I need?
Tractor Trailers require a limit of $750,000 for operation, all other
vehicles require coverage amounts according to the laws in their base state.
Is Primary Liability Coverage required by law to
operate my commercial vehicle?
Am I covered if I travel over state lines?
Yes, coverage will travel over state lines.
What determines the limits of my primary liability
Premiums for Primary Liability coverage are determined by several factors
- Driving Record
- Garage Location
- Limit of Liability Coverage Desired
- Type of Operation
- Condition and age of equipment
Where can I find licensing information for your
Our company is licensed to do business in 44 states. Our company
licensing information can be found on the South Carolina Department of Insurance
website located at https://www.doi.sc.gov/Eng/Public/FormPub/HmOwnIns.aspx . Once at the
site, search for the name "National Independent Truckers Insurance Company."
Our NAIC code is 11197.
How long will it take you to bind my policy?
It depends on your exact situation. Many policies can be bound in less than
24 hours; others may take slightly longer.
How do I add or delete a driver
from my policy?
Adding a driver to your policy requires a written request from the insured.
Obtain the drivers name, date of birth, and license number and fax the
information along with a written request to add the driver to 732-855-9497.
How do I add or delete a vehicle from my
Adding or deleting a vehicle requires a written request from the insured.
Obtain the VIN number, year, make and model and fax this along with a written
request to 908-587-1682.
Motor Truck Cargo
What does Motor Truck Cargo Insurance cover?
Cargo Insurance covers the cargo you are hauling for a shipper, up to a set
limit pre-determined by you at the time of policy purchase.
Am I required by federal law to carry Motor Truck
No. It may be required by the company doing the shipping though.
What determines the limit of Motor Truck Cargo I
Ask the company you are hauling for what their cargo coverage requirements
Bobtail / Non-Trucking Liability / Deadhead
What is the difference between Non-Trucking Liability,
Bobtail, and Deadhead Coverage?
These are all different terms for the same type of coverage. They provide
coverage protection for your truck when you are off the job (i.e. Getting the
truck washed, repaired). While you are working, the company you are leased onto
is responsible for your insurance coverage.
What do I need in order to obtain Bobtail/Non-Trucking
- A permanent lease agreement (longer then 30 days)
- Truck year, make, VIN #
- Drivers Name, License #, Date of Birth
- Loss Payee Information (for physical damage only)
- 3 Years of experience in most cases
Why do I need Bobtail/Non-Trucking Liability
The company you haul for only covers your insurance when you are working or
hauling for them. When you are not working (i.e. getting repairs, getting the
truck washed) the bobtail/Non-Trucking Liability Policy covers you.
What happens if I change the company I am leased
When changing a lease agreement, fax a copy of the new lease to our office at
908-587-1682. Also fax a request to for us to change your policy to reflect the
new company you are working for.
Do you offer short term insurance so I
can move my truck from one location to another?
If you are purchasing your truck from a dealer, we can provide you with
short-term coverage up to a period of four days. This type of coverage is called
Dealer Short Term Insurance. It is useful for an individual that would like to
bring their vehicle home from the dealer lot but is not yet eligible for
Bobtail/Non-Trucking Liability Insurance. The policy is charged at a rate of $300
for 3 days with an additional premium for Physical Damage coverage if required.
ICC Authority / MC Authority
What is ICC Authority/MC Authority?
Before you can legally operate as an interstate regulated carrier, you must
be granted permission from the Federal Highway Admission in Washington DC.
Your ICC authority, is permission granted by the federal government to
transport regulated freight across state lines (Interstate).
Who is required to have ICC Authority / MC Authority?
Any vehicle operating for hire in interstate transportation of regulated
freight or passengers must have operating authority.
What is the minimum insurance coverage required to
obtain an MC number / ICC Authority?
For Vehicles with a Gross Vehicle Weight Rating (GVWR) of 10,000
pounds or more:
$750,000 (BI &PD) for General Commodities (non-hazardous)
$1 Million (BI &PD) hazardous except class A & B explosives
$5 Million (BI & PD) Class A & B explosives, Hazardous materials transported in
specified capacities in tanks or hoppers and/or any quantity of hazardous
materials as specified in 49 CFR 173.403 of the Federal Motor Carrier
For vehicles with a Gross Weight Rating (GVWR) of less than 10,000
$300,000 (BI & PD) for general commodities except any materials listed below.
$5 Million (BI & PD) Any quantity of Class A or B explosives, for any quantity
of Poison Gas (Poison A) or highway route controlled quantity of radioactive
Common Carriers: Must carry minimum liability as listed above
plus $10,000 cargo insurance.
Broker Authority: Brokers must maintain a surety bond or trust
fund in the amount of $10,000. We can arrange this for you.
How much will obtaining my ICC Authority / Motor
Carrier number / cost?
Our company charges a low price of $600 which includes:
- Filing your ICC Authority
- Obtaining a DOT Number
- All filing fees as well as our application fee for the filing of your
Interstate Operating Authority.
- Securing and filing permanent process agents (BOC-3). There are no
annual fees to keep your process agents current as long as your authority is
- Securing your proper insurance filings (you must provide all required
insurance at the required limits).
- Keeping track of your application until your authority is issued.
What is Single State Registration?
Those motor carriers operating for-hire under permit or certificate issued
formerly by the Interstate Commerce Commission (ICC) and now the Federal Motor
Carrier Safety Administration FMCSA), must participate in the Single State
Registration System (SSRS Program). This program replaces the "Bingo Stamp
Program" which had been in effect for a number of years.
The Bingo Stamp Program required each carrier to contact and meet each state's
requirements for registering their ICC Operating Authority. The SSRS Program
creates a single point contact with a base state for motor carriers to register
their authority in all states they need to operate in. The base state is
determined by the principal place of business of the motor carrier. If the motor
carrier's base state does not participate in the program, then the base state
must be the state in which the carrier operates the most vehicles.
This program simplifies the reporting requirements in that insurance and
resident agent information has to be on file in only two places; the FHWA and
the base state. Carriers must contact their base state to add states or vehicles
to their receipts.
The base state will issue a receipt to be carried in each vehicle. The receipt
will list all states that the carrier is authorized to operate in. The carrier
may reproduce the receipt as many times as the number of trucks he has paid for.
Carriers must pay a fee for each state determined by the state fee multiplied by
the total number of vehicles to be operated in each state.
Who must Apply for DOT numbers?
All motor carriers operating a Commercial Motor Vehicle in interstate or
foreign commerce must be assigned & display a USDOT Number before interstate
operations begin. This includes all interstate private, exempt, for hire and
passenger motor carriers. Motor Carriers operating intrastate transporting any
placarded hazardous materials must also comply.
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