SALES & POLICY STRUCTURE
This deductible applies to damage to the insured’s own truck.
What is the Physical Damage deductible?
This driving metric heavily impacts commercial auto premiums.
What is the driver’s MVR (Motor Vehicle Record)?
This federal agency regulates interstate trucking operations.
What is the FMCSA?
This question helps you know what filings and limits are required: “Do you cross state lines?”
What is interstate vs. intrastate operation?
This slang term refers to a truck stop shower after a long week on the road.
What is a Bird Bath?
This document outlines coverage forms, limits, and endorsements.
What is the Declarations Page?
The radius of operation affects risk because of this primary factor.
What is exposure to miles driven?
This filing proves a motor carrier carries the federally required liability limits.
What is an MCS-90?
This question uncovers hidden risk: “Do you use leased owner-operators?”
What is lease or subcontractor exposure?
This phrase describes a driver who holds up traffic in the left lane going slightly slower than everyone else.
What is a Left-Lane Camper?
This strategy helps reduce premium by increasing the insured’s financial participation in small claims.
What is raising the deductible?
This type of freight is considered higher risk due to theft frequency.
What are electronics (or high-value commodities)?
Before hauling loads for brokers, many carriers must provide this certificate showing active insurance
What is a Certificate of Insurance?
Asking about this helps determine cargo coverage needs.
What commodities do you haul?
This slang term refers to a weigh station.
What is a Chicken Coop?
This coverage is often required by brokers before allowing a carrier to haul loads.
What is $100,000 Cargo Coverage?
Insurance carriers often surcharge for this driving violation involving alcohol.
What is a DUI/DWI?
This filing is often required by states for intrastate operations.
What is a Form E filing?
Asking about trailer interchange agreements uncovers this coverage need.
What is Trailer Interchange coverage?
This phrase describes a truck without a trailer attached.
What is Bobtail?
Umbrella policies in trucking are designed to do this.
What is provide excess liability above primary limits?
New ventures are often charged more due to lack of this.
What is prior loss history or operating experience?
Hazardous material haulers may be required to carry this much in liability limits at minimum.
What is $1,000,000 or $5,000,000 (depending on material)?
Top trucking producers ask about this early to qualify seriousness and buying intent.
What is the prospect’s down payment readiness?
This humorous phrase describes a driver who spends more time polishing the truck than driving it.
What is a Chrome Cowboy?