10 Common Myths About Trucking Insurance for Russian Speakers

10 Common Myths Debunked

1. "$750K is enough" — False. Most brokers want $1M.
2. "Can drive briefly uninsured" — False. Even 1 day = MC de-activated.
3. "All claims paid" — False. Many exclusions.
4. "Telematics steals data" — False. Only driving behavior.
5. "Cheapest is best" — False. Coverage gaps cost more.
6. "Personal auto covers truck" — False. Commercial vehicle excluded.
7. "Cargo covers everything" — False. Exclusions for spoilage, theft from unlocked.
8. "New driver = same rate" — False. New authority surcharge 20-40%.
9. "Bobtail = NTL" — False. Different coverage scenarios.
10. "Always pay deductible" — False. Comparative fault may reduce.