At American Insurance Brokers we are highly experienced in everything truck insurance. Below are a few of our most commonly asked truck insurance FAQ.
Primary Liability Truck Insurance FAQ
Motor Truck Cargo Truck Insurance FAQ
Bobtail/Non-Trucking Liability Truck Insurance FAQ
ICC/MC Authority DOT Numbers
1. What is CSA?
Primary Liability Truck Insurance FAQ
What does Primary Liability Insurance Cover?
This coverage option protects you from damage or injuries to other people
as a result of a truck accident. You select your limit of coverage at the time
Tractor Trailers require a limit of $750,000 for operation, all other vehicles
require coverage amounts according to the laws in their base state.
Yes, if requested during the quoting process.
Premiums for Primary Liability coverage are determined by several factors including:
- Driving Record
- Garage Location
- Limit of Liability Coverage Desired
- Type of Operation
- Condition and age of equipment
It depends on your exact situation. Many policies can be bound in less than
1 hour; others may take slightly longer.
Adding a driver to your policy requires a written request from the insured.
Obtain the drivers name, date of birth, social security number and license
number and fax the information along with a written request to add the driver
Adding or deleting a vehicle requires a written request from the insured.
Obtain the VIN number, year, make and model and fax this along with a
written request to 985-871-1779.
Motor Truck Cargo
What does Motor Truck Cargo Insurance cover?
Cargo Insurance covers the cargo you are hauling for a shipper, up to a set
limit pre-determined by you at the time of policy purchase.
No. It may be required by the company doing the shipping though.
Ask the company you are hauling for what their cargo coverage
Bobtail / Non-Trucking Liability / Deadhead
What is the difference between Non-Trucking Liability,
Bobtail, and Deadhead Coverage?
These are all different terms for the same type of coverage. They provide
coverage protection for your truck when you are off the job (i.e. Getting
the truck washed, repaired). While you are working, the company you are
leased onto is responsible for your insurance coverage.
- A permanent lease agreement (longer than 30 days)
- Truck year, make, VIN #
- Drivers Name, License #, Date of Birth
- Loss Payee Information (for physical damage only)
- 3 Years of experience in most cases
The company you haul for only covers your insurance while you are under
dispatch for them. When you are not under dispatch (i.e. getting repairs,
getting the truck washed) the bobtail/Non-Trucking Liability Policy protects
When changing a lease agreement, fax a copy of the new lease to our office
at 985-871-1779. Also fax a request for us to change your policy to reflect
the new company you are working for.
ICC Authority / MC Authority
What is ICC Authority/MC Authority?
Before you can legally operate as an interstate regulated carrier, you must
be granted permission from the Federal Highway Admission in Washington
Your ICC authority, is permission granted by the federal government to
transport regulated freight across state lines (Interstate).
Any vehicle operating for hire in interstate transportation of regulated freight
or passengers must have operating authority.
For Vehicles with a Gross Vehicle Weight Rating (GVWR) of 10,000
pounds or more:
$750,000 (BI &PD) for General Commodities (non-hazardous)
$1 Million (BI &PD) hazardous except class A & B explosives
$5 Million (BI & PD) Class A & B explosives, Hazardous materials
transported in specified capacities in tanks or hoppers and/or any quantity
of hazardous materials as specified in 49 CFR 173.403 of the Federal Motor
For vehicles with a Gross Weight Rating (GVWR) of less than 10,000
$300,000 (BI & PD) for general commodities except any materials listed
$5 Million (BI & PD) Any quantity of Class A or B explosives, for any quantity
of Poison Gas (Poison A) or highway route controlled quantity of radioactive
Broker Authority: Brokers must maintain a surety bond or trust fund in the
amount of $10,000. We can arrange this for you.
What is CSA?
- Originally, CSA stood for “Comprehensive Safety Analysis 2010.” However,
as national implementation of CSA rolled out in December 2010, the Federal
Motor Carrier Safety Administration (FMCSA) transitioned the program,
removing the “2010” and renaming the initiative “Compliance, Safety,
Accountability.” CSA is a new FMCSA safety program to improve large truck
and bus safety and ultimately reduce crashes, injuries, and fatalities related to
commercial motor vehicles. It introduces a new enforcement and compliance
model that allows FMCSA and its State Partners to contact more carriers
earlier in order to address safety deficiencies before crashes occur. The
program establishes a new nationwide system for making the roads safer for
motor carriers and the public alike.
What regulation forms do carriers and drivers need to fill out for
- No one needs to register for CSA, nor is there any kind of mandatory
training requirement. However, it is in commercial motor vehicle carriers’ and
drivers’ best interests to be informed about CSA and what it means for them.
The Federal Motor Carrier Safety Administration’s CSA program impacts
all carriers that are over 10,000 lbs. and travel interstate. CSA also impacts
carriers that haul hazardous materials intrastate.
Check, update, and review your records:
- Ensure that your motor carrier census form (MCS-150) is up-to-date and
- Monitor and review your Behavior Analysis and Safety Improvement
Category (BASIC) percentile ranks as well as inspection and crash data
in the Safety Measurement System (SMS) and the Federal Motor Carrier
Safety Administration (FMCSA) Portal.
- Maintain copies of inspection reports and evidence related to any observed
violations, and request review of any potentially incorrect data using
- Review your inspection and violation history for the past two years. Identify
patterns, trends, and areas needing improvement and begin to address
- Examine your business processes to determine how they may be
contributing to any safety compliance deficiencies.
- Take steps to increase your drivers’ awareness that inspections are
more important than ever, that all violations count “not just out-of-service
violations” and that their performance directly impacts their driving records
and the safety assessment of their employing carrier.
Visit the CSA Website:
- The Federal Motor Carrier Safety Administration regularly updates
materials on the CSA Website. There, you will find explanations, answers to
questions, tips, and guidance.
- You can sign up for an email subscription or RSS feed to receive the most
- You can also submit questions and review a full set of Frequently Asked
- Be sure to review the materials about SMS and the new BASICs;
understanding the new SMS is an important step in preparing for CSA.
Questions about CSA can be answered at the CSA Website through one of
- Browse the CSA Website’s Outreach & Media page, which has many
documents covering the different aspects of CSA.
- Search the Website’s Frequently Asked Questions.
- If the first two methods are unsuccessful, submit your question at the CSA
Feedback page or call the Communications & Outreach Team at 877-254-
5365 to receive an answer directly.