---
title: Truck Insurance 101:  Private Carrier Insurance
description: Are your trucks used for private carrier or common carrier purposes? As a private carrier you should be properly insured to protect your business. Learn more.
image: https://www.aigltd.com/hubfs/Private-Carrier-Insurance-Tips.jpg
---

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# Insurance Savings and News You Can Use Join the Conversation!

## Truck Insurance 101:  Private Carrier Insurance

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Thu, Apr 20, 2017

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![Private carrier insurance tips and trucking insurance in Philadelphia, Reading, Allentown, Harrisburg, Lancaster, York, Lebanon, State College, PA and beyond.](https://www.aigltd.com/hs-fs/hubfs/Private-Carrier-Insurance-Tips.jpg?width=300&name=Private-Carrier-Insurance-Tips.jpg "Private carrier insurance tips and trucking insurance in Philadelphia, Reading, Allentown, Harrisburg, Lancaster, York, Lebanon, State College, PA and beyond.")The United States economy depends on trucks to deliver nearly [$671 billion worth of manufactured and retail goods](http://www.truckinfo.net/trucking/stats.htm) in the U.S. alone. It’s estimated that 15.5 million trucks operate in the U.S. Two million of those are tractor trailers.

Whether they are [common carriers](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/your-for-hire-trucking-firm-needs-motor-carrier-insurance) or private carriers, these vehicles need to be adequately protected with [trucking insurance](https://www.aigltd.com/pa-truck-insurance) known as private carrier insurance. And there are several different types of insurance coverage that are required.

Here is a look at the coverage a typical private carrier would need to purchase.

## What is a private carrier?

If the company owns the vehicles that are used to transport its goods, it is a private carrier. Unlike a common carrier, a private carrier does not transport goods as its primary business, and it doesn’t have to carry the goods of other companies. A private carrier is not a [for-hire carrier](https://ask.fmcsa.dot.gov/app/answers/detail/a_id/244) and does not tranport the products of other companies as its primary business. 

## What kind of trucking insurance does a private carrier need?

**Liability Insurance:** If you’re at fault for an accident, liability insurance covers injuries or damage to other people or property. It also will pay for your legal defense expenses if you are sued as a result of your involvement in an accident.

There are two parts to the coverage:

- **Bodily Injury Coverage** protects you if you cause an accident that injures or kills another person. It pays for any related expenses such as hospital and medical bills, long-term nursing care, lost earnings, and rehabilitation. It will pay funeral expenses in a fatal accident.
- **Property Damage** protects you if you are at fault for an accident that damages another person's property. It will cover the costs to replace or repair the damaged items that could include vehicles, fences, and houses. 

**Physical Damage Coverage**: Physical Damage refers to two basic coverages that protect your truck. This insurance requires you to choose a deductible, which is the out-of-pocket amount that you agree to pay whenever you have a claim. These are the coverages:

- **Collision Insurance**: Collision insurance provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it collides with something or overturns.
- **Comprehensive Coverage**: If your truck is damaged by something other than a collision with another vehicle or object, or if your truck is stolen, comprehensive insurance will cover it.

**Medical Payments Insurance**: This insurance is not available in all states. If you can get medical payments insurance, it will pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.

### Private truck insurance filings

If you are traveling across state lines, you may need federal or state insurance filings. Known as Financial Proof of Responsibilities, they are a guarantee to the government that you are carrying sufficient truck insurance protection.

## **You'll Get the Best Trucking Insurance Rates from American Insuring Group **

![Contact us for help with your private carrier insurance questions or to buy trucking insurance.](https://www.aigltd.com/hs-fs/hubfs/Private-Carrier-Insurance-Tips.jpg?width=150&name=Private-Carrier-Insurance-Tips.jpg "Contact us for help with your private carrier insurance questions or to buy trucking insurance.")If you have questions about these filings or are looking for a great deal on any type of trucking insurance, **[contact American Insuring Group online](https://www.aigltd.com/contact)** or call us at **(800) 947-1270 or (610) 775-3848** and sit down with one of our experts on Private Carrier Insurance. We can help you sort through it and get you back on the road quickly.

Best of all, you can rest assured that we will help you get the right insurance protection at the right price. Unlike our single-brand competitors, as independent agents we're free to shop among many competing insurance carriers to help you get the best deal on insurance. Contact us today to get started!

 Tags: [truck insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/truck-insurance), [Trucking Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/trucking-insurance), [Private Carrier Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/private-carrier-insurance)

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