Truckers: How to protect yourself from uninsured drivers. A professional trucker in the US drives about 100,000 miles annually on roads and highways across different states. They have to drive through various weather conditions, road conditions, day and night, inclines, cliffs, icy roads, and wet pavement. But one of the risks that many carriers overlook is the number of uninsured drivers on the roads. The reality is that there may be about 50 million uninsured drivers in the US. According to the Insurance Information Institute, in Florida, more than 20% of motorists lack insurance.
That’s a compelling reason for truck owners to acquire uninsured or underinsured motorist coverage (UN/UIM). The issue is that if an uninsured driver causes an accident, they won’t be able to pay for the damages they cause to the truck, which is their source of income. Even insured car drivers in Florida often have only the minimum coverage required by law, which is $10,000.
Having UN/UIM coverage is protection that covers medical bills, provides compensation for lost wages, and if the truck is damaged, this coverage can help pay for it. It’s recommended that a carrier has a minimum of $1,000,000 UN/UIM coverage, which can ultimately save them thousands and thousands of dollars.
If you want cheap insurance for your truck, don’t hesitate to call Univista Insurance. Truckers: How to protect yourself from uninsured drivers.
Truckers: Protect yourself from uninsured drivers
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