Bodily injury and property damage liablity

Bodily Injury Liability provides coverage if the customer causes an accident that injures or kills another person and will pay for the related expenses. Bodily Injury will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to the limits selected.

Property damage liability insurance pays for the damage you cause to someone else’s property in a car accident. The insurance covers damage to other cars, buildings and structures, like fences and telephone poles. It can also cover legal fees if you’re sued for the same types of damage.

NON-TRUCK LIABILITY

Non-Trucking Liability provides coverage to a customer on permanent lease to a motor carrier that supplies primary liability coverage. Non-Trucking Liability coverage applies only when the customer is using his or her scheduled auto for non-business, personal use (such as going to the movies, picking up groceries, attending sporting events, etc.). It can pay for medical and other expenses associated with injuries to others or damage to other peoples' property that the customer causes.

Non-Trucking Liability coverage does not apply when the scheduled auto is being used to transport any goods or merchandise for hire, nor while goods or merchandise are being loaded or unloaded. Primary liability coverage must be maintained by the motor carrier to cover the customer while operating his or her vehicle in a trucking capacity on behalf of the motor carrier.

UNDERINSURED MOTORIST BODILY INJURY AND PROPERTY DAMAGE.

Underinsured Motorist Bodily Injury provides coverage for damages which the customer is legally entitled to recover from another party who is considered "at fault" for an accident but does not have enough insurance

UNINSURED MOTORIST (UM) BODILY INJURY AND PROPERTY DAMAGE

Uninsured Motorist (UM) Bodily Injury and Property Damage coverage is a type of insurance that protects you and your passengers in the event of an accident caused by an uninsured or underinsured driver. UM coverage is designed to cover bodily injuries and property damage that you or your passengers suffer in an accident with an uninsured driver or a driver who does not have enough insurance to cover the damages.

PHYSICAL DAMAGE. (COLLISION AND COMPREHENSIVE)

Collision insurance covers damages to your truck in the event of an accident, no matter who is at fault, including accidents involving other cars and accidents with stationary objects, such as hitting a tree or fence post. Comprehensive coverage protects the customer's vehicle if it is damaged by something other than a collision with a vehicle or object (such as hail or a falling tree), or if their vehicle is stolen. Comprehensive also covers damages from a collision with an animal.

MOTOR TRUCK CARGO

Motor Trucking Cargo coverage pays when the customer is responsible for damage to or loss of the cargo he or she is transporting due to fire, collision or even hitting or running over the cargo being transported.

Trailer

interchange

Trailer interchange insurance is a type of coverage that protects non-owned or non-leased trailers pulled by any owner-operator and/or company truck under a trailer interchange agreement. This type of agreement makes the motor carrier responsible for any damages that occur while they are in possession of the non-owned trailer.

At Selam Insurance Services, we offer comprehensive trailer interchange insurance with up to $200,000 limits. This coverage provides physical damage protection for your business, ensuring that you are not left with unexpected expenses due to trailer damage.

GENERAL LIABILTY

General Liability coverage protects the customer's business when the customer is legally liable for bodily injury/property damage caused by an accident arising out of the customer's business operations (not directly involving the insured vehicle). Accidents caused by the operation of the insured vehicle are covered under Commercial Auto Liability coverage.