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Glossary

Found a word that you don’t understand?

With so many specific terms, insurance can sometimes seem like its own language. Let us “decode” it for you with our handy glossary of terms.

Please Note: Even as “master decoders” we still struggle with each insurance company’s dialect. For example: Fire and theft w/CAC coverage with one insurance company will include coverage for collision with an animal but it may not with another. Similarly cargo insurance will include reefer breakdown with one insurance company, but not another.

The terms presented here are general in nature. You will have to refer to your specific policy to know exactly what coverage you have purchased.

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  • ACH (Automated Clearing House)
    An ACH transaction is an electronic fund transfer, routed through the Federal Reserve Bank from a checking or savings account.
  • Actual Cash Value (ACV)
    A vehicle's actual cash value, also called the market value, is essentially the price someone would pay to purchase that exact vehicle today. It's determined by evaluating a number of factors, including the vehicle's age and condition, as well as any prior damage, improvements, or special equipment.
  • Additional Insured
    A person or organization that enjoys the benefits of being insured under an insurance policy, in addition to the owner of the insurance policy. Typically, a larger and more powerful business will require that smaller entities (desiring to do business with them) have the larger business named as an additional insured. Example:  Shipper will require that they be listed as an additional insured on a motor carriers policy.
  • Anti-Theft Device
    A device, either active or passive, that attempts to prevent vehicle theft. Active anti-theft devices can track and recover a vehicle and automatically contact a response center to begin the vehicle recovery process. Passive anti-theft devices attempt to prevent theft by using sophisticated electronic car alarms, simple steering wheel locks, etc.
  • Authority
    Is a document issued by the jurisdiction granting authority (state, federal, or both) to operate as a "for hire" motor carrier transporting or arranging for the transport of people or property.
  • Auto Liability
    See primary auto liability insurance.
  • Bill of Landing
    A legal document (contract) between the shipper of a commodity and the motor carrier delivering the commodity. The bill of landing details the type, quantity and destination of the commodity being carried and also serves as a receipt of shipment when the delivery is complete. Bills of landing must accompany shipped goods, no matter the form of transportation, and must be signed by an authorized representative from the carrier, shipper and receiver. Bills of landing may be made to cover the whole trip, or separate bills of landing can be prepared for each carrier.
  • Bobtail Coverage
    See non-trucking liability insurance. Also called "deadhead coverage." Although bobtail or deadhead coverage is often used interchangeably with non-trucking liability coverage, technically they are not the same thing. Bobtail insurance protects a tractor when it's operated without a trailer, whether or not it's under dispatch, while non-trucking liability coverage only covers a vehicle when it's driven for personal, nonbusiness use.
  • BOC3
    The BOC3 form is a list of registered process agents for each state, who, in the event of a legal action being presented against the motor carrier by an individual or legal entity from outside the carriers base state, would accept the papers being served on the carriers behalf and would then forward them to the carrier being served. A current BOC3 form must be on file with the Federal Motor Carrier Safety Administration in order to secure operating authority and to maintain active operating status.
  • Bodily Injury Liability Coverage (BI)
    Bodily injury liability is one part of a liability insurance coverage. If you are responsible for causing an accident, bodily injury liability coverage pays for injuries/death to people involved in the accident. Bodily injury liability coverage also pays for legal defense costs if you are sued. Learn more about bodily injury liability insurance.
  • Bond
    See Surety Bond.  
  • Broad Form Collision
    Broad form collision is a type of collision coverage that waives your deductible for accidents that are caused by the other driver.  Broad form collision is only available in the state of Michigan.
  • Cargo Insurance
    See motor truck cargo insurance.
  • Collision Coverage
    When your insured vehicle overturns or collides with another object, collision coverage pays for the damage to your vehicle. Learn more about collision insurance.
  • Combined Single Limit (CSL)
    CSL is a single number that describes the predetermined limit for the combined total of the bodily injury liability coverage and property damage liability coverage per occurrence or accident. Example: A CSL of $1 million pays up to a combined total of $1 million for both bodily injury liability coverage and property damage liability coverage for any single accident.
  • Commercial Driver's License (CDL)
    A CDL is a special license needed by operators of tractors, vehicles over 26,000 GVW, or vehicles carrying more than seven passengers.
  • Commercial General Liability
    An insurance policy that pays for bodily injury or property damage you cause as a result of business activities not directly related to operating your truck.
  • Commercial Vehicle
    A commercial vehicle is any vehicle used for business purposes. Also called commercial auto, corporate car, corporate vehicle, business auto, business car or business vehicle.
  • Common Carrier
    This is a company that provides for-hire truck transportation to the general public.  
  • Comprehensive Coverage
    If your insured vehicle is damaged due to an event other than a collision, comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. Learn more about comprehensive insurance.
  • Comprehensive Coverage with Full Glass Protection
    If you need to replace a window or windshield due to a non-collision incident, comprehensive coverage with full glass protection pays to replace it and waives the standard deductible, which you would usually have to pay out of pocket. This coverage is not available in all states.
  • Constructive Total Loss
    An insurance claim which is settled for the amount stated on the policy on the basis that the cost to repair or recover the damaged vehicle would exceed the stated amount of the vehicle. Learn more by reading the data sheet titled "Lessons From Losses."
  • Contingent Auto Liability
    See non-trucking liability.  
  • Continuously Insured
    Being continuously insured means your insurance coverage was in effect at all times, without a break or lapse in coverage for any reason.
  • Contract Carrier
    This is a company that provides for-hire truck transportation to specific, individual shipper base upon private contracts between the carrier and each shipper, stipulating the services offered and the prices charges to each.  
  • Corporation
    A corporation is created to function as a separate legal and tax entity, independent of the people who own and manage it. It can enter agreements, incur debts and be taxed apart from its owners. A corporation is required to file articles of incorporation with its home state, create corporate by-laws, issue stock certificates and comply with a number of corporate formalities.  
  • Coverage
    Coverage is the word used to describe protection for an insured as provided by an insurance policy. A particular coverage may refer to a specific component of insurance that provides protection under a given set of circumstances.  
  • Custom Harvesters
    People who travel from home, working a few weeks at a time at various locations harvesting seasonal crops, are custom harvesters. They sometimes also are called agricultural workers or migrant workers.  
  • Deadhead
    Sometimes also called "bobtail coverage." Although bobtail or deadhead coverage is often used interchangeably with non-trucking liability coverage, technically it is not the same thing. Bobtail insurance covers a tractor when it's operated without a trailer, whether or not it's under dispatch, while non-trucking liability coverage only covers a vehicle when it's driven for personal, non-business use.  
  • Dealer Plates
    Dealer plates may be used on any registered motor vehicle, other than vehicles titled in the name of the dealer. A motor vehicle dealer license is required to obtain dealer plates. Dealer plates are displayed on motor vehicles while being operated by the dealer or a third party operating the vehicle with permission of the dealer. Dealer plates may not be used for delivery, hauling, transporting or any commercial purpose.  
  • Declarations Page (Dec Page)
    Also known as an auto insurance coverage summary, this page is provided by your insurance company and lists the following: Types of coverage you have elected Limit for each coverage Cost for each coverage Specified vehicles covered by the policy Types of coverage for each vehicle covered by the policy, and Other information applicable to the policy
  • Deductible
    A deductible is the dollar amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Deductibles always are selected when you purchase an insurance policy.  
  • Diplomatic Driver's License
    A diplomatic driver's license is issued to members of foreign consular posts and their family members in the United States. Diplomatic driver's licenses can only be issued by the Department of State through its diplomatic motor vehicle office.  
  • Discount
    A discount is a percentage reduction applied to a premium for fulfilling specific requirements or actions.  
  • Doing Business As (DBA) name
    A DBA is a name by which a company is known to the public but which is not its legal name.  
  • Domicile
    The legal location (address, state) at which a business or person has established themselves (i.e. primary business or home address.)  
  • Drive other car
    See individual named insured endorsement.  
  • Electronic Funds Transfer (EFT)
    EFT is a payment method in which funds are automatically deducted from a customer's checking account to pay bills on a regularly scheduled basis. Customers must select the EFT payment method and authorize payments in advance to use this system to pay their bills.  
  • Employer's Non-Ownership Liability Coverages
    Employer's non-ownership liability coverage provides liability insurance for a vehicle owned by your employee if it must be used to conduct your business. This coverage is for vehicles that are not regularly used for the business. Learn more about non-owned vehicle liability insurance.  
  • Endorsement
    A clause added to an insurers policy wording which changes the coverage provided, and is considered to form part of the insurance contract.  
  • Federal Highway Administration (FHWA)
    The FHWA is a branch of the federal government that regulates interstate transportation of goods and people.  
  • Filing
    A filing is like a certificate of insurance issued by an insurer that provides proof of specific insurance coverage. There are both federal filings and state filings. Federal filings are submitted to the Federal Highway Administration. They often are required for interstate transportation of goods, people or hazardous materials. State filings are submitted to a specific state's Department of Transportation or other governing body. They often are required for intrastate transportation of goods, people or hazardous materials. Learn more about commercial auto insurance filings.
  • Fire and Theft with Combined Additional Coverages
    For coverage to apply the damage or loss must be caused by one of the following: fire, lightning, explosion, theft, windstorms, hail, earthquakes, flood, rising waters, vandalism, a collision with an animal, or while being transported by a third party. Learn more about fire and theft with combined additional coverages.
  • For-Hire Truckers
    For-hire truckers are truck operators who transport goods for a fee.  
  • Garage Liability
    Coming Soon
  • Garagekeepers Legal Liability Insurance
    Garage keeper's legal liability coverage protects vehicles left in your care custody and control  in case of fire, explosion, theft, vandalism or collision while the vehicle is at your garage or covered location for servicing, parking or storing. Learn more about garage-keeper's legal liability insurance.
  • Garaging Location
    A garaging location is the place you primarily park your vehicle when you're not using it. Generally, this is your primary business address.  
  • General Liability
    See commercial general liability.  
  • Gross Vehicle Weight (GVW)
    GVW is the total weight capacity of a fully loaded vehicle. It can be calculated by adding the weight of the vehicle to the maximum weight of a load that could be carried in the vehicle. GVW can be obtained by checking the manufacturer's general information for the vehicle.  
  • Hired Auto Liability Coverage
    Hired auto liability coverage provides primary auto liability coverage for a non-owned, unlisted vehicle that you have leased, hired, or rented.  
  • Individual Named Insured Endorsement
    This insurance is sometimes also called drive other car insurance. An individual named insured endorsement is insurance that protects individuals or sole proprietors who have all of the vehicles they use for personal or non-business use listed on their commercial auto policy and do not own a personal auto policy. Learn more about individual named insured endorsement.  
  • Interstate
    If you cross the border of one state into another state, that is interstate travel.  
  • Intrastate
    If you stay within the borders of one state, that is intrastate travel.  
  • Lease Agreement
    A lease agreement is a long term agreement, contract or arrangement in which the use of equipment, such as a vehicle, is granted for a specified time at a specified price.  
  • Liability Coverage
    Liability coverage provides protection against your legal liability for bodily injury and/or property damage caused by the negligence of your employees or yourself in the course and scope of employment.  This coverage also provides you with legal defense costs.Learn more about primary auto liability and general liability insurance.
  • Lien Holder
    A person or organization with a financial interest in property up to the amount of money borrowed or still owed on the property. Examples of a lien holder would be a bank, finance company, credit union or other party to whom funds are owed as payment for the property.
  • Limited Liability Company (LLC)
    A Limited liability company combines the personal liability protections of a corporation and the pass-through tax benefits of a partnership or sole proprietorship. Owners of LLCs typically are called members and share equally in the management responsibilities of the company. LLCs may also choose to appoint certain owners or outside personnel to manage business operations.  
  • Limits
    An insurance coverage limit is selected by you at the time you purchase a policy. It describes the maximum an insurance company will pay for damages or injuries that apply to a specific coverage. Most states have laws that specify the minimum limit that must be purchased for each required insurance coverage. Liability coverage limits can be described as a combined single limit (CSL) or as a split limit.  
  • Loss Payee
    A person or entity with a legally secured insurable interest in another's property, usually a financial institution that loaned money to buy a car. The car is the loan collateral. If the auto is damaged in an accident, loss payments will be made to you and to the loss payee on your policy.  
  • MCS-90
    Form MCS-90 is the form that the Federal Motor Carrier Safety Administration (FMCSA) requires be on file (often referred to as a filing) with them before they will grant an operating authority to an applicant seeking authority to operate as a for hire, motor carrier. The MCS-90 is filed by your insurance company as evidence that you have met the financial responsibility requirements of the FMCSA. Financial responsibility means having insurance policies or surety bonds sufficient to satisfy the minimum public liability requirements. Public liability meansprimary auto liability for bodily injury, property damage, and environmental restoration. Environmental restoration means restitution for the loss, damage, or destruction of natural resources arising out of an accidental discharge of toxic or other environmentally harmful materials or liquids.  
  • Medical Payments (MedPay) Coverage
    MedPay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.  
  • Minimum Limit
    A minimum limit is the least amount of insurance coverage required by state law. Sometimes also called statutory limits, minimum limit requirements or basic limits.  
  • Motor Carrier
    A company that provides truck transportation. There are two types of motor carriers, private carriers and for-hire carriers.  
  • Motor Truck Cargo Insurance
    An insurance policy that insures cargo in the care, custody, or control of a motor carrier. Learn more about motor truck cargo insurance.
  • Named Insured
    The named insured is the name of the business or person who owns the insurance policy.  
  • No-Fault Insurance
    A system of automobile insurance where a party who is injured in an automobile accident recovers damages up to a specific amount against his own insurance company regardless of who was responsible for the accident.  
  • Non-Owned Vehicle Liability Coverage
    Non-owned vehicle coverage extends the coverage provided under the bodily injury liability coverage and property damage liability coverage of your policy to any vehicles not owned by you or your business that are used by any of your employees for business.Learn more about non-owned vehicle liability insurance.
  • Non-Trucking Liability Coverage
    If you are on permanent lease to a motor carrier that supplies your primary auto liability coverage, non-trucking liability coverage protects you when you are using your scheduled vehicle for a personal, non-business related purpose.Sometimes referred to as contingent auto liability coverage, or as "bobtail coverage" or "deadhead coverage," non-trucking liability coverage does not apply when the insured auto is being used to transport any goods or merchandise, nor while goods or merchandise are being loaded or unloaded.Primary auto liability coverage must be retained from the motor carrier to cover you while you are operating your vehicle in a for-hire trucking capacity on behalf of the motor carrier.Learn more about non-trucking liability insurance.
  • Obligee
    The person or entity that is owed an obligation.  
  • Occasional Driver
    A person who is not the primary or principal driver of an insured vehicle is an occasional driver.  
  • Occupational Accident Insurance
    An occupational accident insurance policy provides coverage against medical expenses, lost wages, accidental death, and dismemberment that you may suffer as a result of an on the job accident.  (Occupational accident insurance is not workers' compensation insurance.)  
  • On-Hook Towing Coverage
    On-hook towing liability coverage provides physical damage coverage for a customer's auto or watercraft while you are towing it. The protection includes damage caused by fire, theft, explosion, vandalism or a collision.  
  • Owner Operator
    A self-employed commercial truck driver or small business that operates trucks transporting goods of others under the authority of an authorized for-hire motor carrier.  
  • Partnership
    A partnership is a type of business entity in which partners (owners) share with each other the profits or losses of the business.  
  • Peril
    Types of exposures and risks covered or excluded on an insurance policy. Common examples might include fire, theft or collision. Each insurance policy will include detailed explanations of covered and excluded perils.  
  • Permanently Attached Equipment (PAE)
    Equipment that is used in the course of doing business and is bolted or welded to an insured vehicle or trailer is permanently attached equipment. Examples of PAE include: Air compressors Auxiliary Power Units (APU's) Carpet cleaning equipment Computers Cranes Generators GPS units (mounted in vehicle) Ladder racks Lift gates Lift kits Logging equipment Pressure washers Shelving Snow plows Tool boxes Equipment that is attached to the vehicle and makes the vehicle what it is, such as buckets, cement mixers, dump boxes, refrigerated boxes, etc., are not considered permanently attached equipment. Permanently attached equipment should be included when calculating the value of the vehicle for your stated amount.
  • Personal Injury Protection (PIP) Coverage
    Personal injury protection is the basic coverage implemented in no-fault automobile insurance states. PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. Depending on the state, PIP may also cover lost wages and additional expenses.  
  • Physical Damage Coverage
    Physical damage coverage is designed to protect your vehicle. There are several forms of physical damage coverage, including collision coverage, comprehensive coverage and fire and theft with combined additional coverages. Learn more about physical damage insurance.
  • Placard
    A placard is a metal plaque or other form of signage found on vehicles or trucks that displays a message to the public regarding the cargo being hauled, such as hazardous, flammable or explosive.  
  • Policy Expiration Date
    Your current insurance policy ends on your policy expiration date, which is found on your current policy documents, declarations page (dec page), insurance identification card or recent cancellation notice. This date should not be confused with payment due dates. It's also important to note that in many cases, the policy actually expires just after midnight at 12:01 a.m. on the policy expiration date. This means that as of 12:02 a.m., there is no coverage.
  • Policy Term
    The length of time your policy is active and coverage is in force.  
  • Premium
    A premium is the amount of money paid to an insurance company in return for insurance protection.  
  • Primary Address
    A primary address is the place where you would like all communications mailed. This is typically your business headquarters.  
  • Primary Auto Liability Insurance
    Primary auto liability insurance has two components always included together: bodily injury liability insurance and property damage liability insurance.Primary auto liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you're at fault for an accident.Learn more about primary auto liability insurance.
  • Primary Use
    Primary use is how you mainly use your vehicle. Primary use options include: Business use only Personal use only Personal and business use Nonbusiness use
  • Principal Driver
    The person who drives the car most often is the principal driver.  
  • Private Carrier
    A company that provides truck transportation of its own cargo, usually as a part of a business that produces, uses, sells and/or buys the cargo being hauled.  
  • Process Agent
    A process agent is a representative upon whom court papers may be served in any proceeding brought against a motor carrier, broker, or freight forwarder. Every motor carrier (of property or passengers) shall designate a representative for each State in which it is authorized to operate and for each State traversed during such operations. Brokers are required to list process agents in each state in which they have an office and in which they write contracts. Federal Motor Carrier Safety Administration form BOC3 is used for this purpose.  
  • Property Broker Bond
    See Surety Bond.  
  • Property Damage Liability Coverage (PD)
    Property damage liability is the second part of liability coverage. If an insured person is legally liable for an accident, property damage liability coverage pays for damage to others' property resulting from the accident. Property damage liability coverage also pays for legal defense costs if you are sued. Learn more about property damage liability insurance.
  • Property Protection Insurance (PPI)
    Property protection insurance (PPI) provides protection if you cause damage to properly parked vehicles or fixed properties such as buildings, guardrails, lampposts, fences, etc. in the state of Michigan. Outside Michigan, your Property Damage Liability Insurance covers your legal liability for property damage.  
  • Public Liability
    See Primary Auto Liability.  
  • Radius of Operation
    The maximum distance traveled one way, as “the crow flies,” by an insured, from the point of origin to the point of destination, is the radius of operation.  
  • Reefer Breakdown
    Refrigeration (reefer) breakdown is an optional coverage that can be added to a cargo policy to protect the policyholder from claims made due to a change in temperature, as a result of the mechanical breakdown of the refrigeration unit on the trailer being used to transport temperature sensitive freight.  
  • Rental Agreement
    A rental agreement is a short term agreement, contract or arrangement in which the use of equipment, such as a vehicle, is granted for a specified time at a specified price.  
  • Repair Plates
    Repair plates are license plates issued to businesses that repair, alter, recondition, equip or tow motor vehicles or trailers for the public. The plates are not assigned to a specific vehicle.  
  • Repossession
    Repossession is reclaiming ownership of an item, such as a vehicle, because loan or lease payments have not been made.  
  • Self Insured Retention (SIR)
    Acts the same way as a deductible but the insured is responsible for all legal fees incurred in relation to the amount of the SIR.  
  • Single Deductible Endorsement
    The single deductible endorsement limits the number of deductibles you have to pay after a covered loss.  Typically you have three deductibles: one for the tractor; one for the trailer; and one for cargo.  With a single deductible endorsement you may be able to limit the number of deductibles you pay to one.Learn more about single deductible endorsements.
  • Sole Proprietorship
    A sole proprietorship is a one-owner company that is not registered with the state as an LLC or corporation. The owner of a sole proprietorship is personally responsible for the debts and liabilities of the company and reports the company's losses and profits on his or her personal taxes.  
  • Split Limits
    A series of three numbers (ex. $15,000/$30,000/$10,000), split limits describe the predetermined maximum amounts to be paid on bodily injury liability coverage and property damage liability coverage per person and per occurrence or accident. Example: A split limit of $15,000/$30,000/$10,000 would pay out, per accident, up to $15,000 in bodily injury liability coverage for each covered person injured in the accident and up to a maximum total of $30,000 for all covered people injured in the accident. It also would pay out up to $10,000 in property damage liability coverage.
  • Stated Amount
    A stated amount is the value submitted by the insured as representative of the current value of an insured vehicle, after accounting for depreciation and including the value of any special or permanently attached equipment.Learn more about stated amount.
  • Subrogation
    A legal right reserved by most insurance companies. Subrogation is the right of an insurance company to pursue recovery from a third party. This is done as a means of recovering the amount they paid for a claim from the one legally liable for the loss.  
  • Surety Bond
    A surety bond is a promise to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal's failure to meet the obligation.  
  • Tort Threshold
    In no-fault auto insurance, the measure of the minimum injury severity which, once reached, allows the injured party to sue for non-economic damages.  
  • Totaled aka Total Loss
    Totaled (shorthand for total loss) is a term used in the insurance industry. It means when a vehicle is damaged and the cost of repair less the salvage value of the vehicle would exceed the actual cash value of the vehicle.  
  • Trailer Interchange Agreement
    A trailer interchange agreement is a written contract between truckers or trucking companies that provides for the loan of trailers by the owner to a third party. Example: Joe's Trucking Company has a trailer interchange agreement with Sue's Trucking Company. Joe hauls a trailer full of cargo from point A to point B. Sue takes Joe's trailer and hauls it from point B to point C for Joe.
  • Trailer Interchange Coverage
    Trailer interchange coverage provides physical damage insurance for trailers that you do not own while they are in your care, custody or control, such as being hauled under a trailer interchange agreement. Learn more about trailer interchange insurance.
  • Transporter Plates
    Transporter plates are for the purpose of transporting unregistered vehicles from one point to another (usually from the manufacture to a dealer lot). These plates may be moved from vehicle to vehicle. Transporter plates are registered to a business, not to a specific vehicle. Transporter plates may be used to move, boats, mobile homes, trucks, and other motor vehicles.  
  • Underinsured Motorist Coverage (UIM)
    If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance to cover your injuries, you can use your UIM coverage for injuries, including death, that you, your resident relatives and the occupants of your insured vehicle sustain, up to the limits you select. In some states, UIM coverage is included as part of UM coverage.Learn more about underinsured motorist (UIM) insurance.
  • Uninsured Motorist Coverage (UM)
    If a driver or owner of a vehicle does not have insurance and is legally liable for injuring you in an accident, you can use your UM coverage for injuries, including death, that you, your resident relatives and the occupants of your insured vehicle sustain, up to the limits that you select.Learn more about uninsured motorist (UM) insurance.
  • Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)
    If a driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance to repair the damage to your vehicle, you can use your UMPD to cover damage to your insured vehicle, up to the limits you select. UMPD is not available in all states and may be available as an alternative to collision coverage in others.Learn more about uninsured/underinsured motorist property damage (UMPD) insurance.
  • Unladen Liability
    Commercial auto liability insurance providing coverage for owner operators or independent contractors who do not have their own operating authority. The coverage is intended to respond to bodily injury and property damage liability claims arising when the owner operator/independent contractor is operating their power unit with or without an attached empty trailer and are not under dispatch of a motor carrier.  
  • Vehicle Identification Number (VIN)
    A VIN is a combination of 17 letters and numbers that can be used to identify the make, model and year of a car. The vehicle identification number (VIN) for a vehicle is usually found on the driver's side of the dashboard, the vehicle registration or the title.  
  • Worker's Compensation
    Worker's compensation is a form of insurance that provides lost wage and medical benefits for employees who are injured in the course of employment.  Employers are generally required by state law to carry this coverage; in exchange employee's relinquish their right to sue their employer for the injuries they incur on the job.