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We know it can be difficult to shop and buy NC High Risk Truck Insurance liability, cargo, physical damage and more.
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.
Common North Carolina High Risk Truck Insurance coverages.
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 1-1,000 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 Judgement 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.
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