Driving a commercial vehicle within the state of Georgia brings with it a laundry list of requirements and legal necessities that can determine a great deal of a driver’s needs for intrastate travel inside the Peach State. The Georgia Department of Transportation strictly regulates commercial trucking within state limits and it’s important for drivers to fully know what are the Georgia DOT insurance requirements for commercial trucking.
First, it’s important to know what counts as a commercial vehicle within the state of Georgia. State law defines any vehicle with a manufacturer’s gross weight or gross combination weight rating of 10,000 or more pounds as a commercial vehicle. This can mean a lot of things, including school buses, fire trucks, construction vehicles, and even garbage trucks, but for our purposes, we’re thinking of commercial trucks, like semis, logging trucks, tow trucks, and more.
There are a host of requirements for commercial trucking and the drivers who drive those trucks, including the need for commercial driver’s licenses, medical examinations, inspections, and other legal realities, and anyone engaged in commercial trucking needs to know those things.
But here, we’re focusing on commercial trucking’s insurance requirements, and the DOT has specific requirements on that front, too.
Georgia commercial truck drivers are required to carry a minimum of $100,000 per person and $300,000 per accident in any commercial truck insurance policy. That number, however, is often not enough to cover the injuries that tend to result from trucking accidents, which means most truckers in the state carry up to $1 million in liability protection coverage.
There are various modifiers there depending on what the truck is carrying. Interstate trucks hauling freight are required to have up to $750,000 in liability coverage, while oil products require $1 million and hazardous materials require $5 million. Many carriers include umbrella policies providing several million dollars in additional coverage for various supplemental needs, too.
Keeping track of all these requirements and policy needs can be tough on a commercial truck operator, but with help from CheapTruckInsurance.com, you don’t need to worry about it.
Using their online tools, the website can match you with up to three insurance agents who will quote you on the best price for a commercial trucking policy that will cover all your legal needs, and, once you’ve selected the best one for your budget and particular requirements, will handle all the paperwork and legal issues, too.
Using CheapTruckInsurance.com to cover your liability issues with an insurance policy tailor-made for your budget and legal needs is one of the best ways you can meet your obligations to your business, to the Georgia DOT, and to your clients. With them in your corner, you can be assured you’re fully covered and have the best, most affordable policy to cover all your liability issues.
Knowing the Georgia DOT requirements for commercial truck insurance is a good way to make sure you stay in business and in good standing with the state’s myriad trucking laws. Let CheapTruckInsurance.com help you with that today.