Insurance Blog
Helpful guides about truck insurance for owner-operators and small fleets.
Commercial Truck Insurance: Complete Guide for Owner-Operators [2026]
Everything about commercial truck insurance: types of coverage, costs ($8K-$18K/year), FMCSA minimums, and how to save by comparing 15+ carriers.
Insurance for New Authority Carriers: Costs & Options [2026]
Getting truck insurance with new MC authority. Which carriers insure new authorities, expected costs ($12K-$22K/yr), and how to get coverage fast.
7 Proven Ways to Lower Your Truck Insurance Rates [2026]
Save $2,000-$5,000/year on truck insurance with these strategies: compare carriers, increase deductibles, use telematics, bundle policies, and more.
What Happens If Your Insurance Lapses: MC Revocation Timeline
Your truck insurance lapsed? Learn the exact FMCSA timeline: BMC-91 cancellation, 30-day notice, automatic MC revocation, and how to reinstate your authority.
7 Insurance Mistakes That Will Cost You Thousands
Avoid these 7 costly truck insurance mistakes: wrong cargo type, personal vs commercial policy, not reporting changes, and more. Each costs $2,000-$50,000+.
Your Cargo Got Damaged: Step-by-Step Claims Guide
Step-by-step guide for filing a cargo damage claim: documentation needed, notification timeline, filing process, common denial reasons, and how to appeal.
How CSA Scores Make Your Insurance 40% More Expensive
Your CSA scores directly impact insurance rates. Learn which BASICs matter most, how to challenge incorrect violations via DataQ, and save $2,000-$5,000/year.
Truck Accident: Insurance Checklist for the First Hour
What to do in the first hour after a truck accident: do not admit fault, photos, police report, post-accident drug test, insurance call order. Printable checklist.
Bobtail vs Non-Trucking Liability Explained Simply
Bobtail insurance vs Non-Trucking Liability (NTL): when each applies, what they cover, cost $400-$900/year, and which one you actually need.
Why Your Insurance Claim Was Denied (And How to Fight It)
Top 7 reasons truck insurance claims get denied, the appeal process, how to file a state DOI complaint, and when to hire an attorney. Win rates and timelines.
How to Read Your Truck Insurance Policy (What's Actually Covered)
Decode your truck insurance policy: declarations page, coverage sections, exclusions, endorsements, deductibles explained. Common traps and what to look for.
ELD Discounts: Save $1,000-$2,000 on Insurance
How ELD and telematics devices earn you $1,000-$2,000 in insurance discounts. Progressive Smart Haul, how telematics works, privacy trade-offs, and which carriers offer discounts.
What Insurance Do You REALLY Need? (Minimum vs Recommended)
FMCSA minimum insurance vs real-world requirements. Brokers demand $100K cargo, shippers want $1M liability. Comparison table of what you legally need vs what you actually need.