Truck Insurance – What Types You Need

If you’re new to the trucking industry, perhaps you’ve already started researching what kind of truck insurance you may need. It can become confusing, as coverage will be needed for all different types of situations. The following list details the types of truck insurance available throughout your career.
Primary Auto Liability Required by law, primary auto truck insurance will cover anyone injured during an accident. Drivers need to carry this with them at all times, even on leased rigs. Companies will sometimes offer this liability to owner-operators, but drivers should also be prepared to pay for it out for their weekly settlements.

Physical Damage This kind of truck insurance takes care of rollovers or collisions, thefts, fires, or any actual damage done to your tractor or trailer. The value of the equipment will set the premium. Although the law does not require drivers to establish a vehicle premium, if you have financed your vehicle, the lien holder will require it. Value your vehicle at actual price, as the market price is what is paid at the time of loss.

Bobtail Liability Bobtail liability truck insurance covers a tractor without a trailer, whether or not the driver is on dispatch.

Non-Owned Trailer Liabilities There are three types of protection that fit under a non-owned trailer. The Non-Owned Trailer Liability covers a trailer that you are pulling for someone else. Non-Owned Trailer Physical Damage encompasses any damage to the other driver’s trailer while you drive it. Sometimes, these are verbal agreements between drivers or between driver and shippers, as they are very broad. Then, there is the Trailer-Interchange Liability that comes into place when there is an interchange agreement. In the trucking industry, it is common to exchange trailers to another driver until the cargo reaches its final destination. Therefore, if a trailer interchange agreement is in place, Trailer-Interchange Liability will be needed.

Cargo Liability This covers the freight when in transit. Drivers need to carefully read these policies and take note of exclusions such as unattended rigs and caps on theft for items such as clothing, alcohol, and electronics.

OCC/ACC (Occupational Accident) Liability Occupational accident liability coverage acts as a sort of worker’s comp. Accidental death, falls, dismemberment, and accident related medical expenses are covered under this protection. Policies should be written to incorporate most of the time while drivers are on dispatch. Drivers should consider adding or finding passenger liability, to cover others in the cab during a collision. Drivers who do not have health coverage should also search for non-occupational accident policies to take care of a limited number of injuries off the job.

8 Decisive Tasks to Modernize Your Move!

Your Coimbatore to Mumbai move is around the corner and the professional packers and movers in Coimbatore you have appointed for yourself have assured you with a set of pro moving guidelines and now you feel completely ready and almost good to go!
Well, that’s great but deep down you is willing to explore and acquaint yourself with some imperative moving information that can further ease out your moving time. If that is the case, know that there are many of those superb pieces of advice that you can assimilate into your moving plan and transition smoothly!

We have highlighted the popular ones right below!

1. Do the labeling correctly – The packing of your belongings would be accomplished only after your articles have been correctly put together inside the boxes and the right name labels have been taped on the moving cartons. Do not add the name labels on the top but along the sides of the moving cartons. This will help you and the professionals, both to figure out where exactly the boxes need to be moved! Make sure the labels on the moving cartons correspond to the names mentioned on your inventory list. Also, make sure to add brief details to the labels and not just the name of the item and its nature.

2. Pack things efficiently – The reason why customers choose professional movers for their moving assignment is that presence of packing professionals guarantees quality packing and also ascertains that the task gets over within the time specified. There is a strict timeline of tasks that professionals follow and this allows them to conduct the task in minimal possible time. But if that is not the case and it is you who is packing your goods, you have to set aside extra time for the packing task and at the same time, get yourself well-versed with the handy packing tips and tricks.

3. Pack for the transit – Packing is something that should be done keeping in mind only the nature of the time but the journey of transit. The distance you are moving, the season you are moving in, the moving carrier you have reserved, the materials you have chosen for the purpose, etc. All of this somewhere somehow play an equally important role in determining how safe and secure your belongings remain all through the moving course and in what condition they reach you. So, ascertain all of these aspects and then consider packing your stuff. Be careful with the cushioning provided and the boxes used specifically.

4. Everything about boxes – The packing boxes or the moving cartons that you use for the packing task should be sourced from good supply stores and not from the local market. Although even materials sourced locally offer good support then you have to inspect every packing material you have purchased for the move because you cannot be sure of the quality of the materials if you are getting from random stores – liquor stores, medical shops, stationery and utility shops. We would advise you to collect the right kind of boxes in the right numbers, so you do not end up packing things out of order.

5. Pack things early – People who choose to pack things towards the latter part of the move often end up in a chaotic situation because at that point, there is immense stress buildup and you look forward to solutions to those issues. So, we advise you to prepare and pack your belongings over a fair amount of time so you can attend to every article efficiently and appropriately. A timeline designed for all your to-do packing tasks would be a great way to start. Start with the easiest packing task if you want to experiment with the planner you have established. Do not indulge yourself in too many bothersome tasks if those are taking you too much time.

6. Compromising basics – Any relocation would be a fairly conducted move provided you have established all the essentials in place and you are completely ready to take over the charge of your move. Ascertain if the first task of goods assessment is done and you have got the needful materials delivered to your place ahead of time. Do not procrastinate decisions if it is you who has to do them at the end of the day. Do all the needful preparations on time, fulfill all the outdoor activities timely and have your overnight bag set up on time. Get moving insurance and simply look around to inspect if the progress of your move is on the right track or if you need to mold anything in your move strategy to get desired results.

7. Manage time and efforts – We have always believed, that it is good to be involved in the packing tasks wholeheartedly but not at the cost of your energy and efforts. Moves and packing for a move anyway call of immense hard work as there goes good planning and thoughtful preparation but you should still have a solid workable plan denoting how everything is to be worked out. Start with easy, manageable tasks and gradually move to the complicated packing tasks. Leave anything that you find bothersome for some reason. The movers will take care of it efficiently.

8. Handle post-move period – You cannot assume your move to be smooth and successful until you receive your goods in your place, in their original condition. This means you need to wait until the last day which will also be the day your goods are delivered to your new house. Everything will be documented on the inventory sheet and all you need to do is to check if the total number of listed items has reached you or not. The movers will also have a copy of this inventory with them so there would not be any hassle in that context.

These are the 8 important things that we wanted you to know wholeheartedly if you are gearing up for an upcoming move. If there is anything that you think you do not agree with, you should clarify and understand the same with your hired team of professional movers and packers in Coimbatore and breathe easy!