Insurance helps cover unexpected costs and liabilities that may incur in the future. Investing in a decent insurance policy also protects your assets, be it rental or owned. If you are a business owner and own or rent vehicles that transport goods and consumables, you must invest in commercial vehicle insurance for the following reasons. There are several monetary benefits, some that also save tax in the long run.
Some of them are mentioned below:
Get additional cover
Your regular auto insurance may not cover all costs that arise out of accidents or personal injury involving commercial vehicles. Also, most personal auto insurance policies are not valid for liabilities accrued out of vehicles used for business purposes. This is where commercial truck insurance will provide customized, comprehensive insurance suited to your business needs.
The law in many states requires business owners to get a commercial vehicle insurance policy. The insurance is mandatory if your business transports goods and hauls heavy-duty equipment. Even if your company provides service from a vehicle, your auto insurance policy will not cover the liabilities. Any business, partnership, or corporation that owns vehicles for commercial use must buy this additional cover.
One of the main advantages of buying commercial insurance is that you get custom cover for specific damage, repairs, or the replacement of certain parts. The insurance provides for anything necessary to protect your business interest from liabilities that arise out of an unforeseen circumstance. The semi-truck insurance quotes are available at competitive prices and can also be modified seasonally to avoid overpaying insurance.
Some commercial policies also provide cover for employees who drive the vehicle. If any personal injury or liability arises from an accident or mishap involving the employee, commercial vehicle insurance will provide for these unexpected costs. The policies are also valid for businesses that do not own but rent vehicles for managing logistics.
Beneficial for offsetting costs
Lawsuits can be lengthy, tedious, and create a financial burden on the business. Even though basic auto policies provide cover for lawsuits, commercial vehicle insurance provides double this cover to pay for legal fees, court proceedings, and even damages if the liability falls on the business. More importantly, commercial insurance can be written off as a business expense and is tax-deductible.
Abdominal Pain – Types and CausesRead More...
Abdominal pain causes extreme discomfort due to pain experienced anywhere between the lower chest and the groin. Abdominal pain varies from acute to chronic pain. It may be a dull sensation or a sharp, searing pain. There are several causes of the disease and it has many different symptoms. A few symptoms of abdominal pain include ulcers of the stomach, gallbladder disease, food poisoning, appendicitis, cysts, fibroids, STDs, cancer, and vascular problems. If you are suffering from pain in the abdomen for a prolonged period of time, it is absolutely necessary to visit a doctor and get it diagnosed at the earliest. Abdominal pain is generally described on the basis of the location of the pain, the type of pain, and its intensity.
Location of abdominal pain
- Upper abdominal pain
- Lower left abdomen pain
- Right upper and pain in lower abdomen
- Pain in the pelvis
Types of abdominal pain
The type of abdominal pain can go a long way in helping to determine the underlying cause of the pain. At times, it is difficult to categorize the kind of pain thus making it difficult to diagnose the disease. Here are a few common types of abdominal pain:
- Sharp pain
- Dull pain
- A stabbing sensation
- Tearing pain
- Experiencing cramps
- Twisting pain
- Extreme pressure
Causes of abdominal pain
Abdominal pain is quite common, and it can be complicated and caused by a number of factors. To put it into perspective, abdominal pain is one of the top two reasons why Americans visit the emergency room. Here are a few of its most common causes:
- Stomach flu
- Acid reflux
- Irritable bowel syndrome
- Food intolerances
- Gastroesophageal reflux disease
- Crohn’s disease
- Stomach or peptic ulcers
- Celiac disease
- Strained or pulled muscles
- Menstrual cramps or endometriosis
- Bladder and urinary tract infections
While pain in the abdomen is a common problem in the country, there is no reason why you should not seek immediate treatment on contracting this ache. It is unpleasant and leads to a variety of different symptoms and aches. If you are suffering from any of the symptoms of the disease, visit a doctor immediately and get it diagnosed. Your health is solely in your hands. On a correct diagnosis, the doctor would recommend a treatment option or prescribe medications to help ease the pain and discomfort.
5 errors truck drivers should avoid while on the roadRead More...
Driving a truck is no simple business as it involves many risks. Nearly all goods shipped across the country from major ports make their way inland after being brought in by a network of heavy-duty vehicles. It is a reason why truckers get paid big for long-haul cargo. The freight’s value also determines how much money can be made in a single trip. However, first-time drivers should be wary of some rookie mistakes during trips.
Big rigs take more time to come to a complete stop, especially at high speeds. Not gauging the distance properly could lead truckers to careen into the vehicle in front. This could even happen while changing lanes without leaving space for the trailer in the back, as it will swerve sharply at high speeds.
Breaching speed limits
Driving fast is necessary to maintain the highway speed limit. But that does not mean one should drive rashly. It is also not very cool to tailgate other vehicles and prompt them to speed. If the driver ahead loses control, this could result in a catastrophic accident.
Sleep deprived driving
When it comes to truck driving, deadlines are a crucial factor. But truckers are more likely to make silly driving mistakes that could result in a major accident if they don’t take adequate time to relax and cool down. Moreover, if the highway patrol catches drivers working overtime, a hefty fine and license suspension can bring the trucking business to a grinding halt.
Bad timing for fueling
Fueling up just before a weighing station on the highway is a critical mistake. Simply because the weight of the fuel can put the truck overboard on the allotted minimum towage restriction for that particular state or national highway, it is always better to fill up the tanks once well underway on the journey after completing highway formalities.
Modern-day trucks have a lot of safety and automation features that monitor throttle response and braking. But these safety assists are no excuse for driving trucks while engaging in activities like checking the phone or eating while driving.
Popular trucks for commercial driving
Pickups are the workhorse trucks used for commercial driving, capable of hauling and towing large loads across shorter distances while keeping the drive economical. Popular trucks like the Dodge RAM 1500, RAM 2500, and Toyota Tacoma pickups are some of the most functional and affordable trucks to compare and buy this year. Get revised quotes for new and used pickup trucks from local dodge pickup truck dealers and Toyota Tacoma dealers today.