Commerical Truck Auto Liablity

What is Commercial Truck Auto Liability?

Commercial Truck Auto Liability Coverage contains two parts. Bodily Injury & Property Damage.

Bodily Injury coverage included in the Auto Liability Coverage covers for the bodily injury expenses per person injured and all individuals per occurrence. 

Property damage coverage included in the Auto Liability Coverage covers for any property damage incurred due to the accident.

For example: Insured Truck A hits SUV B and it is found that Insured Truck A  is at fault. SUV B is declared a total loss. Insured Truck A's Policy will cover for that damage.

Structure of Commercial Truck Auto Liability Coverage:

Commercial Truck Auto Liability's structure can either be split limits or combined single limits.

As mentioned above Commercial Truck Auto Liability Coverage contains two part's Bodily Injury & Property damage.

Combined Single Limits would be mean that the coverage amount will be the same for the Bodily Injury & Property damage.

For example: A $1,000,000 combined single limit auto liability coverage would cover $1,000,000 for auto liablity per person $1,000,000 for auto liability per occurrence (all individuals who incur bodily injury damages) and $1,000,000 for auto liability for property damage.

Split Limits for Auto Liability  would mean that the coverage amount will be different per person per occurance and property damage.

For example: A $100,000 / $300,000 / $50,000 split limit  policy would cover $100,000 per person $300,000 for all persons injured and $50,000 for property damage incurred.

How does this relate to trucking?

Interstate haulers:

This is a coverage that is required by the FMCSA or DOT in order for you to conduct business on public highways. The FMCSA requires proof of the Financial Responsiblity amout of either $300,000, $750,000 or $1,000,000 depending on the weight of your vehicle or the types of goods that you are hauling. Please be advised that although you may be eligible for less than the $1,000,000 limit most brokers, shippers, or customers will require you to have $1,000,000 Auto Liablity coverage limits to book loads to your company.

Intrastate only haulers:

Your state will require a financial responsibility filing and limits vary per state. For example in GA the state limit liability requirement is $100,000/$300,000/$50,000 and the Form E filing is filed with the Georgia Department of Public Safety.


Automobile liability insurance only covers injuries or damages to third parties and their property, not to the driver or the driver's property.

Motor Truck Cargo

Motor Truck Cargo insurance provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

Physical Damage

Physical Damage is a general term for a group of insurance coverages that protect your vehicle. Also referred to as Comp & Collision.

Bobtail Coverage

Bobtail insurance, also known as "Non-Truck Liability" is a liability only policy. It covers you if you're involved in and responsible for an accident while driving a truck under someone else's trucking liability without a trailer.