Truck Cargo Insurance Protects More Than Freight

Truck Cargo InsurancePost Date September 8, 2013 – Are you in the trucking business providing cargo transport, hauling and freight services to other companies or individuals?  As you are fully aware, you don’t just need to purchase commercial liability insurance for the truck,  you also must secure protection for the cargo of others. Depending on the trucking business you are in, there is a truck cargo insurance policy for your customer’s needs. If you are in the Cargo Transport Business, the truck cargo insurance you would purchase is known as Inland Marine Coverage.  If you transport motor vehicles, the insurance you must purchase is known as On-Hook.  This is common among Tow-Truck Operators.

Regardless the type of truck cargo insurance you purchase,

it can be expensive.  Although you are responsible for moving your customers product from point A to Point B, if that product is damaged, regardless if it’s your fault or not, you are responsible.  Any loss in transport while in your custody can really hurt your business especially if you do not possess the necessary protection. Not having this type of policy can also contribute to a negative impact for your business image if a loss takes place. Remember, you are trusted to deliver the goods.

Other reason to have truck cargo insurance in your policy is that this is also being required by law.  The US Department of Transportation mandates truck drivers engage in cargo transport operating within federal jurisdiction is to maintain cargo insurance. Minimum requirements for such coverage are set at $5,000 per loss of contents for damage, and $10,000 for aggregated damage  if there is more than one loss.  If you want to establish a cargo transport or freight services company with a very good reputation and want that business endeavor to endure, take these precautions.  Show your clients that you can guarantee that their goods are safe in your hands.  Make sure you include the cost on this insurance in your shipping prices. Don’t worry about the price you’ll have to pay. Think of long-term effects. Besides, truck cargo insurance can be tailored to your specific needs and budget.

Driving Without Auto Insurance Is a No No in PA

Driving Without Auto InsurancePost Date September 3, 2013 – Have you switched your Pennsylvania auto insurance company recently?  Have you been driving without auto insurance.  Many PA car owners driving without auto insurance are not aware your former car insurance carrier are required to immediately notify Pennsylvania Department of Motor Vehicle (Penndot).  Insuring you maintain Motor Vehicle Financial Responsibility on your car, truck or SUV is a very important responsibility.  Those Pennsylvania driving residents whom are caught driving without auto insurance will be subject to fines, increased auto insurance costs and suspension of both their vehicle registration and suspension of their driving privileges. The Department of Transportation has stepped up monitoring efforts. has been experiencing these efforts first hand. can help you if you are currently Driving Without Auto Insurance 

In an effort to assist our clients not experience any of these severe penalties; we immediately contact all our clients whom have  receiving  a cancellation notice.  We collect the outstanding payment immediately so as to avoid some problems with regards to your vehicle registration. PennDOT, announced that some people may assume that when they buy a new auto insurance policy it is auto insurance carriers responsibility to notify the state they have obtained a different auto insurance policy. PennDOT has recently made it very clear that the responsibility of informing the state you are not driving without auto insurance coverage is the policyholder responsibility.

In Pennsylvania, it’s the law all motor vehicles driven on PA’s streets and highways are protected against Bodily Injury and financial loss.  The Pennsylvania State Minimum is $15,000 Per Person, $30,000 if more than one person and $5000.00 in Property Damage.  In addition, your policy will cover the driver for $5000.00 in Medical Costs.

When a PA auto insurance policy expires, non-renews, or if it has been cancelled, the insurer will notify PennDOT.  The state will forward a letter to the driver requesting they verify if they still  maintain the state required auto insurance coverage.  If a driver fails to respond,  PennDOT will place and F-Stop on your car insurance registration restricting your ability to renew your Licenses Plates.  If you go over 31 days in PA without auto insurance or you are caught driving without auto insurance;  you registration will be suspended for a minimum of 90 days.  When this suspension occurs, you vehicles license plate must be surrendered to a PennDot Representative. If you you fail to do this, both local and state police will be ordered to go to your home and remove your license plate from your vehicle.

If you find yourself in this situation, contact an Representitive at (800) 807-0762 Option 1.  Tell us you situation and we will help you resolve your situation.