Affordable Insurance

negainsurance.com is the trucker’s source to stay legal   and safe on the road. We offer:

1.	Leased Operator Insurance
2.	Bobtail Insurance
3.	Occupational Accident Insurance
4.	Cargo Insurance
5.	Commercial Auto Liability
6.	Physical Damage Insurance
7.	Health Insurance and Benefits
8.	Owner Operator New Authority Insurance
9.	Non-Trucking Liability Insurance

Facts About  Individual Owner / Operator Insurance

At negainsurance.com, we offer a  variety of truck insurance policies to meet the needs of owner/operators,  trucking fleets and fleets of owner/operators. We can answer any questions you  may have about the different types of truck insurance we offer and what  coverage each provides. The following are the answers to some frequently asked  questions we encounter. If you have any other questions, don’t hesitate to give  us a call!

Q: Should I package my truck payment with insurance? It sounds so easy.

A: You can, but it   will probably be more expensive; definitely give us a call or an email for a quote before getting trucking insurance from a truck dealer. We’re the trucking insurance experts, and can almost assuredly get you a better price.

Q: What’s the difference between primary liability and non-trucking  liability?

 A: Non-trucking liability  insurance is generally used by owner/operators who are leased onto a motor  carrier. When you are dispatched for the motor carrier, their primary liability  trucking insurance will cover you. However, if you are your own trucking  company with your own customers or if you have your own authority, you will  need to get your own primary liability trucking insurance.

Q: What type of trucking insurance coverage do I need to repair damages  that result from an accident?

A: Physical damage insurance  protects truck drivers in the event of an accident. This type of insurance is  also called collision insurance.

Q: If I have to have my vehicle towed, will the cost be covered by my  insurance?

A: If you need a tow because of  an accident, it will be covered by your insurance.  If your truck breaks down as  a result of mechanical failure, it will not be covered by insurance.  Breakdown/Roadside assistance is available.

Q: I am new to the trucking industry, what type of insurance coverage  do I need?                    

 A: You will probably need  commercial auto liability, physical damage coverage, motor truck cargo  insurance and non-owned trailer coverage. Every situation is different so it is  important that you work with an agent who is experienced in providing trucking  insurance. Call the experts at Affordable Insurance (706)297-0009 today for a quote.

Q: If I pay off my truck, do I still need physical damage insurance?                 

    A: Legally, you do not need this  type of coverage any longer if your truck is paid off. However, we recommend  you still carry physical damage insurance as this coverage protects your truck which is your  livelihood and it is important to have that protection.

Q: Can I get insurance if I have had a DUI, other infractions or a bad  driving record?                 

    A: At negainsurance.com, we make  every effort to insure every type of truck driver, regardless of your past  driving record. Sometimes, the premium may become prohibitive so we will work  with the driver to make sure we find the policy that works for you.

Q:  If I change trucking  companies, can I still keep the same insurance?                    

 A: When you change trucking  companies, you can almost always keep the same insurance. Your insurance rates  will probably not change at all.

Q: Is there a penalty for cancelling my insurance? Will it affect my  credit?                   

  A: You can cancel your policy at  any time without a penalty. Your credit will not be affected by your  cancellation. However, you will have to pay any premiums or payments that have  accrued on your account before cancelling the policy.

Q: Is bobtail insurance the same as non-trucking liability insurance?                

     A: Although they are often used  interchangeably, bobtail insurance and non-trucking liability insurance are  different. Leased operators generally need non-trucking insurance but many  people still refer to this type of coverage as bobtail insurance.

Q: How do I pay my trucking insurance?           

          A:  At negainsurance.com, we make it as easy as  possible to pay your trucking insurance. We take credit cards or we will  automatically deduct the premium from your checking account each month. Let us  know what is most convenient for you.

Q: If I have to file a claim, how long will it affect my insurance?                 

    A: Most claims will affect your insurance  premiums for three years.

Q: Should I get my trucking  insurance from my truck dealer?                

      A: It may sound easy but it is  often more expensive to get trucking insurance from the truck dealer. At Affordable  Insurance, we are experts in providing trucking insurance and we can work with  you and shop multilple trucking carriers to get the best rates available. Before you get an insurance policy from a  dealer, give us a call for a quote and compare.

Q: What does unidentified trailer coverage insurance cover?                   

  A: A driver may need this type of  insurance if you have a trailer attached to your tractor that is not owned or  long-term leased you.

Q: Can I purchase a policy that will protect my personal items in my  truck?                

     A: Many insurance policies  include an option that covers personal items through physical damage coverage. This coverage is important if you have valuable items that you carry with you on the road.

Q: What is the difference between pro-rate and short-rate?              

       A: If your policy is pro-rated,  it means you only pay for the days you are actually insured.  When your insurance company charges you for  the days insured plus percentage for early cancellation, this is considered  short-rate.

Q: What kind of coverage do I need if I have a lienholder?                  

   A:  Lienholders require physical damage insurance  which protects their interest in case there is a trucking accident.

Q: What are some of the issues with a Motor Truck Cargo policy?             

        A: Every Motor Truck Cargo policy  is different but some of them exclude or only partially cover certain  merchandise such as electronic equipment or clothing. Some of these policies  may exclude coverage completely if the truck is left loaded and unattended.  Before you purchase a Motor Truck Cargo policy, talk to the professionals at  Affordable Insurance about the provisions in your policy.

Q:  Do I need occupational  accident insurance?          

           A: Occupational accident  insurance can be truly beneficial if you have a work-related accident or illness,  especially if you don’t have health care coverage. Talk to the insurance  experts at Affordable Insurance Agency to find out what type of policy would work best for  you.

Q: Does Affordable Insurance Agency assist with getting permits and licenses  required to operate?                 

    A: The experienced professionals  at InsureMyRig.com assist drivers in obtaining all of the permits and licenses  they may need to operate their trucks safely and legally. For a small fee, we  can help you with these permits, including hazardous and special permits.

For more information or to get a  quote you can call Affordable Insurance Agency at 706-297-0009 or fill out the required forms on our web site.