About Insurance
Q:
Can I keep my coverage if I change to a new motor carrier?
A:
Yes. Just notify us immediately of the change by phone, fax or email.
Q:
What coverage do I need?
A:
This depends on what is required by your motor carrier. Most carriers will requre at minimum that you carry Physical Damage insurance on your tractor and $1 million of Non-Trucking Liability. Some motor carriers may even require you to carry Occupational Accident or Workers Compensation insurance.
Q:
Do I need to be leased to a motor carrier?
A:
Yes, in order to have coverage through TSA, you must be permanently leased to a motor carrier. We will require a copy of your lease agreement.
Q:
Is Non-Trucking Liability insurance the same thing as Bobtail insurance?
A:
They are very similar, but not exactly the same. Non-Trucking Liability (NTL) insurance provides coverage only when using your truck for personal use, not in the business of trucking. Bobtail (Liability) insurance provides coverage any time you are driving the truck without a trailer.
Q:
My motor carrier is insisting that I have to purchase my Physical Damage and Non-Trucking Liability insurance through them. Is this correct?
A:
No. As an owner operator you have the right to choose your insurance provider.
Q:
Are there any age or experience requirements to get coverage?
A:
We require all drivers be at least 21 years of age and have at least 3 years of experience with your CDL.
Q:
Why don't you provide Primary Liability insurance?
A:
Primary Liability coverage is provided by your motor carrier.
Q:
What coverage does my lienholder require?
A:
Your lienholder will require Physical Damage coverage to protect thier interests.
Q:
What coverage do I need to get my tags?
A:
You will need Primary Liability coverage, which is provided by your motor carrier. If you have your own authority, you should have Primary Liability coverage in your own name.
