1. Leased or Rented Trucks: If you are operating a truck that you have leased or rented from a third party, you may be responsible for obtaining commercial truck insurance. This is because the insurance coverage provided by the trucking company may not extend to leased or rented vehicles.
2. Owner-Operators: If you are an independent contractor who owns your own truck and operates it under a contract with a trucking company, you will most likely need to obtain your own commercial truck insurance. As an independent contractor, you are considered a self-employed business owner, and you are responsible for your own insurance coverage.
3. Personal Use of Company Vehicle: If you are permitted to use the company's truck for personal use, you may need to obtain your own insurance coverage to protect yourself from liability in the event of an accident while using the truck for personal reasons.
It's important to clarify the insurance coverage provided by the trucking company in writing. Review the employment contract, policies, and insurance details provided by the company to fully understand your insurance responsibilities. If you have any questions or concerns regarding insurance coverage, it's best to consult with the trucking company's insurance provider or an insurance professional specializing in commercial truck insurance.
