Truck drivers are in charge of guaranteeing the safe delivery of the cargo as they transfer items from one place to another. However, mishaps might occur, and when they do, the driver might be responsible for the resulting damages. In these circumstances, the motor carrier policy form covers the trucker’s liabilities. But according to this insurance policy, what kind of liability would a truck driver be responsible for?
Trucking firms and their drivers are covered by a motor carrier coverage form, a sort of insurance policy. It is made to guard against losses brought on by transportation activities, including theft, cargo damage, and accidents. Truckers are covered from a variety of liabilities with this coverage form that may occur throughout the shipping procedure.
A truck driver would be responsible for any property damage or physical harm caused to third parties while performing their job duties under the motor carrier coverage form. For instance, the motor carrier coverage form would pay for the damages if a truck driver caused an accident that resulted in injury or damage to someone else’s property. Additionally, the driver would be safeguarded by this insurance against lawsuits resulting from such mishaps.
It’s crucial to remember that the garage coverage form does not provide coverage for all obligations. For instance, this form does not cover general liability or professional liability. General liability covers claims stemming from physical harm or property damage caused by a business, whereas professional liability covers claims arising from errors and omissions in professional services. To offer complete protection against all potential liabilities, it is imperative to carry both general and professional liability insurance coverage.
In conclusion, obtaining the appropriate insurance coverage is crucial because truck drivers encounter numerous hazards while operating a vehicle. Liabilities such as bodily harm and property damage that may occur during transportation operations are covered by the motor carrier coverage form. It is important to keep in mind that not all liabilities are covered by the garage coverage form, thus additional insurance policies like general liability and professional liability coverage are required to offer complete defense against all potential liabilities. With the appropriate insurance coverage, truckers can avoid legal trouble and maintain their valuable services.
Truckers and motor carriers are often not covered by general liability insurance. Instead, commercial auto liability insurance or specialty insurance coverage known as motor carrier coverage is often required for motor carriers. This kind of insurance covers liability for potential injuries to people and property damage resulting from the operation of commercial vehicles such delivery vans, tractor-trailers, and box trucks.