Do You Drive A Hemi, A Texas Edition Chevy, Or An F-250?
Driving a pickup truck in Texas is so common it’s expected at tailgates, rodeos, and at work. Without a pickup truck, how can you even call your party a “tailgate”? There’s just something about being higher up, hauling and towing trailers, and going off-road.
When it comes to an insurance policy for your truck, most agents will tell you a light-duty truck policy is no different from auto insurance. While the policy is the same, how you use your truck and what is covered is very different from standard auto insurance.
State Minimum Doesn’t Cut It for Trucks
In 2017, over half a million road accidents were recorded by state authorities. On top of that, several thousand people are killed on the roads in Texas every year.
That statistic should be enough to make you pause and consider the quality of your current insurance policy. Texas state law minimums for vehicle insurance include only $30,000 for bodily Injury per individual, up to $60,000 per accident and $25,000 for property damage to the other vehicle.
But what happens if you cause the accident and your truck has a heavy load in the bed or trailer attached?
There is a high probability, your truck will be the heaviest vehicle in any accident. Light-duty trucks can easily total small cars and SUVs. Trucks are also more likely to cause severe injury or death to other drivers, especially when hauling or towing. Before agreeing to a state minimum insurance policy, consider the cost of a collision. It may be cheaper upfront, but if your truck is involved in an accident, consider the damage to other vehicles and people.
For this reason, Gross Vehicle Weights (GVW) could limit the number of carriers and policies that accept your truck. Larger vehicles and vehicles used for business require business auto insurance. Those carriers have the ability to price insurance appropriately for full-size and medium-duty trucks like the Ford F-350 that create more expensive claims.
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