Truck insurance typically includes liability coverage (for accidents you cause), physical damage coverage (for repairs or replacement of your truck), cargo insurance (to protect transported goods), and non-trucking liability (for when you're off-duty).

Insurance companies assess factors such as your driving record, vehicle type, location, age, and credit-based insurance score (where applicable). Safer drivers and lower-risk vehicles typically receive lower premiums, while high-risk factors may lead to higher rates.

The right business insurance depends on your industry and risks. Common policies include General Liability (for lawsuits and injuries), Commercial Property (for business assets), and a Business Owners Policy (BOP), which combines property and liability coverage.

Collision coverage pays for damage to your car in an accident (regardless of fault).

Comprehensive coverage protects against non-collision events like theft, fire, vandalism, and natural disasters.

To file a claim, contact your insurer immediately, provide necessary documentation (photos, receipts, accident reports), and work with an adjuster to assess damages. Claims processing times vary based on the complexity of the situation.