There are certain requirements in regards to trucking insurance coverage that all commercial truck drivers must follow. Each individual driver has requirements that they must meet to legally drive on roads in the United States. Fleet owners should make certain that all their drivers have obtained adequate insurance coverage upon hiring.

Private insurance companies are a good resource in finding what type of insurance coverage a commercial truck driver needs to be legal. The National Independent Truckers website contains a list of insurance regulations for truckers to obtain ICC/MC Authority. These requirements are divided into different weight categories: “Vehicles with a Gross Weight Rating of 10,000 pounds or more” and “Vehicles with a GVWR of less than 10,000 pounds.”

All commercial vehicles are required to have ICC/MC Authority therefore truckers need to make certain that they meet the insurance requirements involved. Truckers can go to other websites besides the National Independent Truckers website to obtain information about these requirements. Regulations.gov is a government site that lists federal regulations associated to the commercial trucking industry.

Often government regulations can be hard to understand. Another source of information is your local Department of Transportation (DOT) and Bureau of Motor Vehicles (BMV) offices.

Different types of commercial vehicles require different types of trucking insurance so make certain that you obtain all types necessary for your situation. Before purchasing your policy know what is required by your company, your cargo weight and type, and what your needs as a driver are.

An insurance broker can be a valuable asset in the process of purchasing trucking insurance. Brokers are knowledgeable about the regulations that must be met for proper insurance coverage no matter what your situation may be. Brokers are also able to find you the best price for your coverage.