What commercial auto liability addresses for a tow truck, why personal auto policies do not fit, and what to ask a licensed agency about drivers and vehicles.
Liability coverage is about claims other people bring when your truck is involved. It is the coverage most rotation programs ask about first.
What commercial auto liability addresses
Commercial auto liability addresses covered claims for injury or property damage that others bring arising from the use of your insured trucks. It does not pay to repair your own truck; that is physical damage coverage.
Drivers, radius and the work you accept
Who drives, how far you travel and the kind of calls you accept all shape how an agency discusses the exposure. Give an accurate picture of each.
Questions to ask your agent
Bring these to a licensed agency. They are prompts for a conversation, not a checklist of what you must buy.
Which vehicles and drivers are included, and how are new ones added?
How does the policy treat a driver who is not listed?
What happens when I operate outside my usual radius?
Which certificate form does my rotation program require, and who issues it?