Operating a dump truck for a living comes with its own set of risks. If a dump truck comes into contact with a person driving a passenger vehicle, the damage can be absolutely brutal. Injuries to the other party's body and the vehicle can cost quite a bit to fix, and if you don't have adequate insurance coverage, the weight of the load could fall squarely onto your shoulders. Don't wait until an accident happens when you can be prepared in advance. See why you must carry specialized insurance protection for your dump truck.
Your Automobile Insurance Might Not Be Sufficient
If you're thinking that you don't need a specialized insurance policy for your dump truck because you have auto insurance, you might want to reconsider this train of thought. The coverage you have for your car may be enough for a passenger vehicle, but there is a big difference between a regular car and a dump truck. Your passenger insurance might not carry over, and it probably wouldn't be sufficient enough if it did.
Imagine the impact of a large dump truck colliding with a car. This can cause the kind of damage that takes thousands of dollars to repair. If you're only carrying the minimum amount of coverage for your state, the difference between what the insurer covers and the actual amount of the fallout could be astounding.
Also, you really have to think about whether or not your insurance company is even going to extend the protection from your car to a dump truck. There's a good chance that the coverage only applies to cars that are used for personal reasons. The moment you use the dump truck for work or business, it is placed in a different category and needs the right policy to back it up.
Liability Coverage Is Not Enough
If you work for a fleet and they only provide liability protection, you might think you're in the clear. The problem is that if you do significant damage to the truck itself and aren't able to fix it because you failed to take out physical damage protection, you could find yourself sidelined and unable to make a living until the truck is road-ready once again.
The money you spend on dump truck insurance is sure to pay off if you're ever in an accident. Call a dump truck insurance company and ask for a quote so you can protect your dump truck with a good insurance policy.