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Tell Fact from Fiction: Truck Insurance Myths Debunked


Your truck is the vital cornerstone of your business’s prosperity. Yet, in the intricate world of truck insurance in Downey, California, distinguishing between fact and fiction can be as elusive as a wisp of smoke. Risking your investment without being armed with the right knowledge could be a costly venture.

As a truck insurance specialist in California, we will uncover some insurance myths and truths. These invaluable insights ensure that your business receives the exact protection it deserves. Use these to make sure you have the right insurance coverage for you.

Myth: You must maintain separate insurance policies.

Fact: Why juggle two insurers when you can simplify? Use only one insurance company to lower insurance rates. Most companies offer discounts or special prices when you have more trucks to be covered by them.

Myth: The legally mandated minimum liability insurance is enough.

Fact: Sometimes the minimum liability thresholds set by the state cannot adequately address the expenses of a severe accident. It is advisable to set liability coverage limits higher than the state’s minimum requirement.

Myth: All commercial insurers offer the same kind of assistance.

Fact: Not all insurers are equal in their insurance services. Some may not cover vehicles requiring specialized filings, while others lack the expertise to navigate the bureaucracy.

Myth: When it comes to car insurance, credit score is not important.

Many insurance companies use a credit-based insurance score to determine eligibility and premium rates. For most people, a good credit score will translate into lower insurance rates and vice versa.

From the single owner/operator to fleet owners, we have insurance packages that safeguard your company and assets and meet your specific demands. Rapid Document Insurance Agency offers motor truck cargo insurance in California to meet your commercial trucking and trailer insurance needs.

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