Long haul truckers, like Carl, must carry a liability insurance policy in Michigan. This type of insurance is similar to commercial auto insurance, which is typically used for company cars or real estate agency vehicles. The law requires that truck drivers have transportation insurance if they are operating a tractor-trailer or other large truck. Commercial truck insurance can be complicated and many new owners and operators have questions about the requirements.
There are various coverage options that protect the truck, but not the cargo being transported. The Federal Motor Carrier Safety Administration (FMCSA) mandates that truckers have commercial truck insurance to protect victims of truck accidents from large financial losses in the event of a collision. As long as the truck is operated legally and responsibly, and the insurance is up to date and complete, the driver is covered. Carl works as an independent driver hired by different transport companies and freight agents. He transports cargo over short and long distances.