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Commercial Insurance Agencies has been a leader and expert in the North Carolina high risk truck insurance markets since 1986. We have helped thousands stay on the road making money and we’ll be glad to help your company also. Using our service is free and we will provide expert service and fast certificates once you have your policy with us
Obtaining North Carolina High Risk Truck Insurance Quotes for Big Rigs, Box Trucks, and More
If you are a trucker in North Carolina, you know how important it is to have the right high risk truck insurance in place. Not only do you need to make sure that you are compliant with all of the regulations of the Federal Motor Carrier Safety Administration (FMCSA), but you also need to know that you are properly insured in the event that something goes wrong. With the right coverage, you can be sure that you will be protected no matter what.
Fortunately, our in-house experienced high risk commercial truck insurance brokers can help you get the coverage you need while also saving you money. We offer a wide range of competitive quotes for big rigs, box trucks, and more, so that you can find the coverage that best fits your needs and budget.
What Are North Carolina High Risk Truck Insurance Quotes?
High risk truck insurance quotes are different from the standard commercial truck insurance quotes that you may be used to. These are specifically for drivers and carriers who have been deemed to be higher risk than the average. This could be due to a history of accidents, traffic violations, or other factors. In addition to this, high risk truck insurance quotes may also include higher limits of coverage as well as additional coverages that are not available to standard commercial truck policyholders.
Why Should I Get NC High Risk Truck Insurance Quotes?
There are many reasons why you should consider getting high risk truck insurance quotes. The most important reason is because you want to make sure that you are properly protected in the event of an accident or other incident. With the right coverage, you can be sure that you will be covered no matter what happens on the road.
In addition to this, high risk truck insurance quotes can also help you save money. By shopping around and comparing different quotes, you may be able to find the coverage you need at an affordable rate. This can be especially beneficial for those who are operating on a tight budget.
How Can Our In-House Experienced High Risk Commercial Truck Insurance Brokers Help?
At our in-house experienced high risk commercial truck insurance brokers, we understand the importance of having the right coverage in place. That’s why we work hard to provide you with the best coverage at the lowest rates. Our experienced brokers have years of experience in the industry and have the knowledge and expertise to help you find the coverage that best fits your needs and budget.
We understand that getting the right coverage can be confusing and time-consuming. That’s why we do our best to make the process as easy and efficient as possible. We take the time to understand your individual needs and then help you compare different quotes so that you can find the coverage that is right for you.
In addition to this, our brokers can also help you make sure that you are in compliance with all of the regulations of the FMCSA. We understand the rules and regulations that must be followed and can help you make sure that your insurance is up to date and meets all of the requirements.
How Can I Get Started?
If you’re ready to get started on your high risk truck insurance quotes, all you need to do is give us a call. Our experienced brokers are here to help you find the coverage you need at a price that fits your budget. We understand that this can be a confusing and daunting process and we are here to help make it as easy and stress-free as possible.
So don’t wait, give us a call today and let us help you get the coverage you need at a price that fits your budget. With our in-house experienced high risk commercial truck insurance brokers, you can be sure that you are getting the best coverage at the lowest rates.
To get the most accurate North Carolina High Risk Truck Insurance rate quote, your agent or broker will need certain information, such as:
•Which employees will be driving your trucks?
•What kinds of qualifications, CDL license/s, or training do your drivers have?
•Will they be hauling heavy equipment or hazardous materials?
•How many miles will your vehicles travel each year?
•What states will your vehicles be operating in?
North Carolina High Risk Commercial Truck Insurance for drivers who are high risk can be very costly. There are people who have had the misfortune of many speeding tickets, multiple accidents or FMCSA violations and or “out of service” problems.
If you have had a North Carolina DUI, you are automatically considered a high risk truck insurance customer. This holds true even with a pretty clean record otherwise. You can get a safe driver status over time, but a conviction of DUI can last up to a decade or more and this depends on the state you live in. Sometimes it stays a with you longer than that.
Get immediate North Carolina High Risk Truck Insurance Help if you have any of the following, New CDL drivers, Need new venture truck insurance, Have poor credit scores, Coming out of state assigned risk pool, Need high risk cargo coverage, Need FR44 or SR22 insurance filing, You have high out of service percentages (OOS), Have elevated CAB scores, Showing multiple alerts, Have a conditional safety ratings, Have high loss frequency, Faced with truck insurance cancellation by current insurer, Have large shock losses, Have high CSA scores or Bad SMS scores.
Common North Carolina High Risk Truck Insurance coverage’s.
Primary Liability: Mandated truck insurance coverage which protects from injury or damage to others as a result of a truck accident.
Physical Damage: Protection covering the repair or replacement of the truck or trailer.
Motor Truck Cargo: Protection for the transporter for his responsibility in the event of damaged or lost freight.
Trailer Interchange: Coverage for the legal liability of truckers for damage or loss to non-owned trailers and equipment which insured’s possess under a written trailer interchange agreement.
Non-Trucking Liability: Provides limited liability truck insurance for owner operators who are leased permanently to an ICC regulated carrier.
ICC Authority: Interstate Operating Authority is permission that is granted by the federal government to transport freight that regulated across state lines.
From preferred companies to ones showing “Not Authorized” could get help from us. We insure 1-40 units.
North Carolina Insurance Points System.
12 Points for
Manslaughter or negligent homicide
Prearranged highway racing or knowingly lending a motor vehicle for prearranged highway racing
Hit-and-run resulting in bodily injury or death
Driving with a blood-alcohol level of .08 or more
Driving commercial vehicle with a blood-alcohol level of .04 or more
Driving while impaired
Transporting illegal intoxicating liquor for sale
10 Points for
Highway racing or knowingly lending a motor vehicle for highway racing
Speeding to elude arrest
8 Points for
Driving during revocation or suspension of license or registration
4 Points for
Hit-and-run resulting in property damage only
Passing a stopped school bus
Speeding in excess of 75 mph when the speed limit is less than 70 mph
Speeding in excess of 80 mph when the speed limit is 70 mph or greater
Driving by a person less than age 21 after consuming alcohol or drugs
3 Points for
At-fault accident resulting in death, or total bodily injury* (to all persons) in excess of $1,800; OR resulting in total
property damage (including damage to insured’s own property) of $3,000 or more.
2 Points for
Following too closely
Driving on wrong side of the road
At-fault accident resulting in total property damage (including damage to Insured’s own property) in excess of $1,800
but less than $3,000
Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less than 76 mph
Speeding 10 mph or less in excess of speed zone of 55 mph or greater
1 Points for
All other moving violations
At-fault accident resulting in bodily injury* (to all persons) of $1,800 or less; OR resulting in property damage (including
damage to insured’s own property) of $1,800 or less
Speeding 10 mph or less in excess of speed limit of less than 55 mph
*No Insurance points will apply for bodily injury if the insured furnishes proof that the medical costs were incurred solely for diagnostic purposes.
No Points Charged for:
An accident provided all of the following are true:
There is property damage only; The amount of damage is $1,800 or less;
There is no conviction for a moving violation in connection
with the accident; and No licensed operators in the
household have convictions or at-fault accidents during the
experience period. (An insurance company may require that the
insured be covered by that company for six continuous
Speeding 10 mph or less over the posted speed limit; provided all of the following are true:
The violation did not occur in a school zone; and
There is not another moving traffic violation for the
experience period (an isolated Prayer for Judgment Continued
[PJC] will not count as a prior conviction for the purpose of this
One PJC for each household every
three years; however:
A second PJC may cause points to be charged according to the underlying convictions.
If you have problems with insurance feel free to contact the NC Department of Insurance.
Get a free do it yourself North Carolina High Risk Commercial Truck Insurance quote started right now, and we’ll compare the best rates available for you.
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