What are the Insurance Requirements for Trucking Companies?

three large trucks lined up on a rain-covered street

Minimum Insurance Requirements for Trucks

While most drivers are already aware of the minimum insurance requirements for automobiles in Georgia, the state also requires that truck drivers obtain a commercial vehicle insurance policy. These minimum requirements are typically much higher considering the size and weight of the vehicles.

Liability Coverage

While it's often recommended that these drivers obtain $750,000 in liability coverage, the requirements are as follows:

  • $100,000 per person
  • $300,000 per accident
  • $500,000 if carrying 12 or more passengers

In addition to liability coverage, for-hire truckers may also choose to obtain a separate policy for the cargo they are carrying. This is commonly referred to as Motor Truck Cargo Insurance and protects against any losses or damages to your load. In many cases, the company whose cargo you are transporting may ask you to show proof of insurance for liability purposes.

What Other Policies Can Be Obtained?

Although not required, truck drivers may choose to obtain additional insurance coverage for various situations, just as they would for their regular automobile coverage. These can include:

  • Bobtail coverage for trucks or tractors with no trailers
  • Uninsured/underinsured motorist coverage if involved in a collision with an uninsured driver or a hit and run
  • Collision coverage for protection in a crash
  • Non-trucking liability coverage for incidents that occur on your days off
  • Comprehensive coverage to protect against any non-collision-related damages

Georgia Personal Injury Attorneys

Since 2006, our Jamie Casino Injury Attorneys team has been dedicated to holding negligent individuals accountable for the damages they cause to others on the roadways. Whether you've been involved in a car crash, trucking accident, or other motor vehicle accident, we can help you recover compensation for injuries.

Schedule a free consultation today with a member of our DREAM TEAM and get started on your case by calling (912) 809-5335.

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