Dump Truck Insurance

Posted By: Admin

Driving a dump truck comes with certain hazards attached to it. If driving commercially, dump truck insurance is needed in order to defend all those that are involved. Over the years, rigs have gotten bigger, which makes the likelihood of tipping over greater. These accidents tend to occur more with semitrailers than with straight trucks. The statistics of these happenings are not very accurate. If no one is injured during one of these tipping episodes, no report is filed. Only a couple reports have been made in the past two years. One of these was actually a fatality, while one was a serious injury. These instances were both caused by dump trucks tipping over.

Insurance is needed for dump trucks hauling commercially, no matter what sort of materials are being transported. Various forms of materials being hauled include; removal of construction materials, aggregate (sand, gravel, asphalt), asphalt for road and foundation construction or snow and ice removal in the winter. Companies specializing in the hauling of aggregate usually provide Primary Liability Insurance coverage for their drivers. This part of dump trunk insurance will include coverage for bodily injury and property damage.

dump truck insuranceWhen dump trucks are used for removal of snow and ice, off-season insurance can be changed. The operator of the dump truck being used for winter only can switch to a policy known as the comprehensive policy. This enables the driver’s truck to be insured during off-season, but the regular commercial truck insurance policy doesn’t have to be renewed or canceled with each season. Dump truck insurance needed for commercial operation falls under commercial vehicle insurance.

This type of insurance is used by; individuals, small or large fleets, owner operators, or entire trucking companies. This type of coverage is needed in order to protect operators of dump trucks, as well as all others involved. Coverage of bodily injury, as well as property damage are both included in this.

Bodily Injury/Property Damage Coverage

When injuries or death to another person occurs, or even if the individual carrying the insurance is to blame for the accident, this part of the dump trunk insurance will be covering it all. Also what is covered is; sickness, pain and suffering, lost wages, medical costs, or death of the other party. Any legal costs accumulated are also covered. Property damage coverage takes care of any damage the dump truck that is covered causes to someone’s property, if the insured is thought to be at fault. Legal costs for this are also covered.

Physical Damage Coverage

Coverage in this section about dump truck insurance is used in case a collision or overturn results in damages or loss of the dump truck which is insured. Other coverages include damages from fire, vandalism, theft, contact with an animal, or a windstorm. If coverage for fire and theft are joined with a combined additional coverages, this will ensure coverage from loss or damage of the dump truck due to specific instances. Events that are included in this portion of the dump truck insurance include; lightning or explosion, flood, windstorms or hail, earthquakes, collision with an animal, vandalism, or happenings which occur while the insured dump truck is transported by a third party.

Insurance that is used for dump trucks is needed when hauling all types of materials. Dump truck coverage isn’t just for protecting the driver, but also the owner, and anyone else involved. This doesn’t cover just physical beings either, but includes property of all involved with the insured vehile. Insurance is something that is definitely needed when providing services commercially with a dump truck.

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