You've contracted to pick up and deliver several pallets of 100 lbs. bags of dry dog food. You've agreed with the shipper that you will be responsible for the value of the cargo while in transport. Icy conditions on the highway cause you to lose control and your truck overturns in the middle of the freeway. You escape unharmed...well...maybe a couple of bumps and bruises.
You get out of the cab. Law enforcement and fire department arrive. A large tow truck comes and rights your vehicle. Your truck is damaged and you know it's covered by your commercial auto policy. But what about the load inside? You agreed you would be responsible!
The tow truck hauls your vehicle back to the body shop of your choice. You open the cargo door in the back and find that 80% of the dog food bags have ripped open from the impact and kibbles spill out the back. Cargo coverage on your commercial auto policy will pay the shipper for the value of the dog food up to the limit you have chosen on your policy less the $500 or $1,000 deductible you have chosen.
Make sure your policy has cargo direct damage or loss coverage! Call us today on the westside at InsureSource Agencies (503-693-2852) or on the eastside at Pulse Insurance (503-489-3143).