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69142 Highway 59, Suite A
Mandeville, LA 70471-7771
Toll Free: (800) 256-1177
Fax: (985) 871-1779
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Frequently Asked Questions

 

Primary Liability Insurance

1. What does Primary Liability Insurance Cover?

2. What Primary Liability limit do I need?

3. Is Primary Liability Coverage required by law to operate my truck?

4. Am I covered if I travel over state lines?

5. What determines the premium of my Primary Liability Coverage?

6. How long will it take you to bind my policy?

7. How do I add or delete a driver from my policy?

8. How do I add or delete a vehicle from my policy?

Motor Truck Cargo Insurance

1. What does Motor Truck Cargo Insurance cover?

2. Am I required by federal law to carry Motor Truck Cargo Insurance?

3. What determines the limit of Motor Truck Cargo Insurance I should carry?

Bobtail/Non-Trucking Liability Insurance

1. What is the difference between Bobtail/Non-Trucking Liability and Deadhead
Coverage?

2. What do I need in order to obtain Bobtail/Non-Trucking Liability Coverage?

3. Why do I need Bobtail/Non-Trucking Liability Insurance?

4. What happens if I change the company I am leased onto?

ICC/MC Authority DOT Numbers

1. What is ICC Authority/MC Authority?

2. Who is required to have ICC Authority/MC Authority?

3. What is the minimum insurance coverage required to obtain an MC #/ICC
Authority?

CSA

1. What is CSA?

2. What registration forms do carriers and drivers need to fill out for CSR?

3. How can commercial motor vehicle (CMV) carriers successfully navigate CSA?

4. Where can I go to have my CSA questions answered?

 

Primary Liability Insurance

What does Primary Liability Insurance Cover?

This coverage option protects you from damage or injuries to other people
as a result of a truck accident. You select your limit of coverage at the time
of purchase.

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What Primary Liability limit do I need?

Tractor Trailers require a limit of $750,000 for operation, all other vehicles
require coverage amounts according to the laws in their base state.

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Is Primary Liability Coverage required by law to operate my
commercial vehicle?

Yes.

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Am I covered if I travel over state lines?

Yes, if requested during the quoting process.

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What determines the limits of my primary liability coverage?

Premiums for Primary Liability coverage are determined by several factors including:

  • Driving Record
  • Garage Location
  • Limit of Liability Coverage Desired
  • Type of Operation
  • Condition and age of equipment

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How long will it take you to bind my policy?

It depends on your exact situation. Many policies can be bound in less than
1 hour; others may take slightly longer.

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How do I add or delete a driver from my policy?

Adding a driver to your policy requires a written request from the insured.
Obtain the drivers name, date of birth, social security number and license
number and fax the information along with a written request to add the driver
to 985-871-1779.

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How do I add or delete a vehicle from my policy?

Adding or deleting a vehicle requires a written request from the insured.
Obtain the VIN number, year, make and model and fax this along with a
written request to 985-871-1779.

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Motor Truck Cargo

What does Motor Truck Cargo Insurance cover?

Cargo Insurance covers the cargo you are hauling for a shipper, up to a set
limit pre-determined by you at the time of policy purchase.

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Am I required by federal law to carry Motor Truck Cargo?

No. It may be required by the company doing the shipping though.

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What determines the limit of Motor Truck Cargo I should
carry?

Ask the company you are hauling for what their cargo coverage
requirements are.

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Bobtail / Non-Trucking Liability / Deadhead

What is the difference between Non-Trucking Liability,
Bobtail, and Deadhead Coverage?

These are all different terms for the same type of coverage. They provide
coverage protection for your truck when you are off the job (i.e. Getting
the truck washed, repaired). While you are working, the company you are
leased onto is responsible for your insurance coverage.

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What do I need in order to obtain Bobtail/Non-Trucking
Liability Coverage?

  • A permanent lease agreement (longer than 30 days)
  • Truck year, make, VIN #
  • Drivers Name, License #, Date of Birth
  • Loss Payee Information (for physical damage only)
  • 3 Years of experience in most cases

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Why do I need Bobtail/Non-Trucking Liability Insurance?

The company you haul for only covers your insurance while you are under
dispatch for them. When you are not under dispatch (i.e. getting repairs,
getting the truck washed) the bobtail/Non-Trucking Liability Policy protects
you.

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What happens if I change the company I am leased onto?

When changing a lease agreement, fax a copy of the new lease to our office
at 985-871-1779. Also fax a request for us to change your policy to reflect
the new company you are working for.

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ICC Authority / MC Authority

What is ICC Authority/MC Authority?

Before you can legally operate as an interstate regulated carrier, you must
be granted permission from the Federal Highway Admission in Washington
DC.

Your ICC authority, is permission granted by the federal government to
transport regulated freight across state lines (Interstate).

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Who is required to have ICC Authority / MC Authority?

Any vehicle operating for hire in interstate transportation of regulated freight
or passengers must have operating authority.

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What is the minimum insurance coverage required to obtain
an MC number / ICC Authority?

For Vehicles with a Gross Vehicle Weight Rating (GVWR) of 10,000
pounds or more:

$750,000 (BI &PD) for General Commodities (non-hazardous)
$1 Million (BI &PD) hazardous except class A & B explosives
$5 Million (BI & PD) Class A & B explosives, Hazardous materials
transported in specified capacities in tanks or hoppers and/or any quantity
of hazardous materials as specified in 49 CFR 173.403 of the Federal Motor
Carrier Regulations.

For vehicles with a Gross Weight Rating (GVWR) of less than 10,000
pounds:

$300,000 (BI & PD) for general commodities except any materials listed
below.
$5 Million (BI & PD) Any quantity of Class A or B explosives, for any quantity
of Poison Gas (Poison A) or highway route controlled quantity of radioactive
materials.

Broker Authority: Brokers must maintain a surety bond or trust fund in the
amount of $10,000. We can arrange this for you.

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CSA

What is CSA?

  1. Originally, CSA stood for “Comprehensive Safety Analysis 2010.” However,
    as national implementation of CSA rolled out in December 2010, the Federal
    Motor Carrier Safety Administration (FMCSA) transitioned the program,
    removing the “2010″ and renaming the initiative “Compliance, Safety,
    Accountability.” CSA is a new FMCSA safety program to improve large truck
    and bus safety and ultimately reduce crashes, injuries, and fatalities related to
    commercial motor vehicles. It introduces a new enforcement and compliance
    model that allows FMCSA and its State Partners to contact more carriers
    earlier in order to address safety deficiencies before crashes occur. The
    program establishes a new nationwide system for making the roads safer for
    motor carriers and the public alike.

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What regulation forms do carriers and drivers need to fill out for
CSA?


  1. No one needs to register for CSA, nor is there any kind of mandatory
    training requirement. However, it is in commercial motor vehicle carriers’ and
    drivers’ best interests to be informed about CSA and what it means for them.
    The Federal Motor Carrier Safety Administration’s CSA program impacts
    all carriers that are over 10,000 lbs. and travel interstate. CSA also impacts
    carriers that haul hazardous materials intrastate.

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How can commercial motor vehicle (CMV) carriers successfully
navigate CSA?

Check, update, and review your records:


  1. Ensure that your motor carrier census form (MCS-150) is up-to-date and
    accurate.
  2. Monitor and review your Behavior Analysis and Safety Improvement
    Category (BASIC) percentile ranks as well as inspection and crash data
    in the Safety Measurement System (SMS) and the Federal Motor Carrier
    Safety Administration (FMCSA) Portal
    .
  3. Maintain copies of inspection reports and evidence related to any observed
    violations, and request review of any potentially incorrect data using
    DataQs.

Ensure compliance:


  1. Review your inspection and violation history for the past two years. Identify
    patterns, trends, and areas needing improvement and begin to address
    these now.

  2. Examine your business processes to determine how they may be
    contributing to any safety compliance deficiencies.

  3. Take steps to increase your drivers’ awareness that inspections are
    more important than ever, that all violations count “not just out-of-service
    violations” and that their performance directly impacts their driving records
    and the safety assessment of their employing carrier.

Visit the CSA Website:

  1. The Federal Motor Carrier Safety Administration regularly updates
    materials on the CSA Website. There, you will find explanations, answers to
    questions, tips, and guidance.

  2. You can sign up for an email subscription or RSS feed to receive the most
    up-to-date information.

  3. You can also submit questions and review a full set of Frequently Asked
    Questions.

  4. Be sure to review the materials about SMS and the new BASICs;
    understanding the new SMS is an important step in preparing for CSA.

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Where can I go to have my CSA questions answered?

Questions about CSA can be answered at the CSA Website through one of
three methods:

  1. Browse the CSA Website’s Outreach & Media page, which has many
    documents covering the different aspects of CSA.

  2. Search the Website’s Frequently Asked Questions.

  3. If the first two methods are unsuccessful, submit your question at the CSA
    Feedback page
    or call the Communications & Outreach Team at 877-254-
    5365 to receive an answer directly.

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Give us a call today at
1-800-256-1177

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Truck Insurance Quote Form

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Louisiana.




Truck insurance coverage in Texas, Louisiana,
Arkansas, Mississippi, Alabama, Georgia & Tennessee



What can we insure?

Tractor/Trailers
Dump Trucks
Straight Trucks
Tow Trucks
Car Carries
Tank Trucks
Box Trucks
Flatbed Trucks
Hotshot Trucks
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Trucks, trucks, & more trucks! If you don’t see your truck, just ask!


Office Hours:
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American Insurance Brokers, Inc.    69142 Highway 59, Suite A    Mandeville, LA 70471-7771
Toll Free: (800) 256-1177    Fax: (985) 871-1779    info@aibtrucker.com   Sitemap