Woodland Hills, CA (PRWEB) April 11, 2012
Truck-Coverage.com, a website owned and maintained by Brilliant Insurance Services, is now providing coverage for “almost” any commercial vehicle in California. Getting truck insurance in California has never been easier or more affordable. “Commercial auto insurance is nothing new” says Jerry “but with the new carriers we have to quote with, I believe we can now quote “almost” any vehicle registered for street use by the California DMV”.
While the bulk of what is quoted are work trucks owned by artisan contractors, gas haulers, touring vans, and lots of box trucks ~ many of them custom ~ are commonplace. Jerry Waltz, one of the brokers ready to quote says, “I had one guy call me to insure his fire truck that he somehow purchased at an auction!”
California State law requires that any vehicle with a Gross Vehicle Weight of 10,000 lbs or greater carry a minimum of $ 750,000 or greater. Some business types require special filings with the Department of Motor Vehicles, the Department of Transportation, and the Public Utilities Commission. These filings are used to track, regulate, and ensure that owners and operators of heavy vehicles are insured at all times. This is meant to protect the interests of the public, as these special trucks are often carrying Hazmat material, conducting commerce over State lines, or transporting goods of others for a fee.
While the basic concept of Commercial Auto Insurance in California is a broad term, it is a term that could apply to a courier driving a Toyota Prius or a household goods mover operating a tractor trailer unit. Obtaining truck insurance in California does not have to be difficult or overly expensive.
The rating factors that are used to calculate the premiums are as follows First, there is the base rate. Base rates are the starting point that the rate is founded on. Then the drivers profile is taken into consideration age, marital status, and driving record. The vehicle itself is contemplated its age, type, use, weight, value, garaging zip, and radius are factored in. With some insurance carriers, the financial health of the applicant is also underwritten. Statistically, applicants with poor credit have a much higher frequency and severity of claims.
Another risk that Jerry and other brokers at Brilliant Insurance Services find themselves involved with is insurance for non-emergency medical transportation. What makes these risks special is that just getting the vehicle insured is not enough, without considering the risk of loading and unloading the passenger as well as the risk of turning a corner and having the wheelchair tip over (for example).
Insurance for Gas trucks in California is another risk that needs to be handled with expertise. When you consider a heavy gas truck with a huge thankful of combustible fuel, you would agree that there is a lot at risk. In addition to the liability of injury or property damage to the third party, the driver, the fuel itself, and the idea that the fuel can spill are all things that need to be contemplated when selecting the coverage limits.
The biggest news today is the announcement of Brilliant Insurance Services appointment to write Mercury commercial auto insurance in California. Mercury insurance is Californias top personal lines insurer, offering bundled home and auto discounts on multi-policy accounts. The Mercury Commercial auto product is one that could be applied towards the discount.