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Dump Truck Insurance in South CarolinaBODILY INJURY/PROPERTY DAMAGE COVERAGE (BI/PD) Bodily Injury Liability provides coverage in the event a covered Dump Truck causes injury or death to another person and the insured is considered at-fault for the accident. It covers expenses related to medical costs, lost wages, sickness, death and pain and suffering for an injured third party. It also covers legal defense costs related to claims against covered damages. Property Damage Liability provides coverage in the event a covered Dump Truck causes damage to any property and the insured is considered atfault for the accident. It also covers legal defense costs related to claims against covered damages. Available Limits: 15/30/10 100 CSL 25/50/15 300 CSL 50/100/25 500 CSL 100/300/50 750 CSL 250/500/100 1,000 CSL Rules: • The BI/PD limits must be the same for all vehicles on the policy. Dump Trucks Insurance.com will not write multiple policies for the same named insured. • Limits of 750 CSL and 1,000 CSL are not available if any driver does not meet our qualifications based on driving record. UNINSURED BI/PD AND UNDERINSURED BI/PD Available Limits: 15/30/10 100 CSL 25/50/15 300 CSL 50/100/25 500 CSL 100/300/50 750 CSL 250/500/100 1,000 CSL Rules: • May be included on all power vehicles where BI/PD or Non-Trucking is written. • Limits cannot exceed BI/PD or Non-Trucking limits. • UM limits may be lower than BI/PD limits, or UIM coverage may be rejected entirely, provided the customer signs the appropriate block on the application. • Limits must be the same for each Dump Truck of a multi-Dump Truck risk. • Is available on power driven vehicles only. • UMPD includes a $200 deductible. PHYSICAL DAMAGE COVERAGE Collision provides coverage in the event of a loss or damage to an insured Dump Truck caused by a collision or overturn. Collision must be written with Comprehensive or Fire & Theft with CAC. Comprehensive provides coverage in the event of a loss or damage to an insured Dump Truck caused by incidents other than a collision. This includes damages due to fire, theft, vandalism, windstorm or contact with an animal. Fire and Theft with Combined Additional Coverages provides coverage in the event of a loss or damage to an insured Dump Truck caused by a specific occurrence. The damage or loss must be caused by: fire, lightning or explosion; theft; windstorms or hail; earthquakes; flood or rising waters; vandalism; while being transported by a third party; or by a collision with an animal. Available Deductibles: 100 250 500 1,000 2,500 5,000 NOTE: For comprehensive only, $0 deductible glass coverage is available with any of the above deductibles. Rules: • Eligibility for Comprehensive coverage is determined by Dump Truck type. • Comprehensive or Fire and Theft with CAC can be purchased without Collision coverage, as long as BI/PD is also purchased. • Physical Damage Only policies can be written.Dump Trucks Insurance.com allow an Unlimited Radius on Physical Damage Only policies. The limit of liability and rate are based upon a Dump Truck’s Stated Amount (not cost new). The Stated Amount on a Dump Trucks Insurance.com policy should reflect a Dump Truck’s current retail value including any special or permanently attached equipment. Using Stated Amount provides a superior value by allowing our insureds to customize their policy to accurately capture a Dump Truck’s true value. The easiest way to establish a Stated Amount is to consult a book or other publication. Other possibilities include consulting with a dealer/manufacturer or checking Internet sites. When determining Stated Amount, remember to take condition, mileage and location into consideration. Also consider any Dump Truck upgrades, engine or major component rebuilds that could further increase a Dump Truck’s value. Possible resources include: • Valuation Publications & Internet Sites - Truck Blue Book, truckpaper.com, tradeonline.com • Dealerships - What is the current retail value of the Dump Truck? • Manufacturers - What is the special or permanently attached equipment worth? • Lending/Financial Institutions - What is the current Blue Book value of the Dump Truck? • Market-Value Software - N.A.D.A. (possible fee involved for the software) A Stated Amount must be maintained to remain accurate. Each time a policy term renews, you should review the values of all insured vehicles and modify stated amounts as needed to ensure they remain accurate. Dump Trucks Insurance.com does not automatically depreciate Stated Amount. Rules for Stated Amount: • A minimum value of $5,000 will apply for rating purposes. (This minimum does not apply to trailers.) • Passenger autos, pickups, vans, utility vehicles or trailers valued over $125,000 must be submitted for approval. • Trucks, buses or motor homes valued over $200,000 must be submitted for approval. • The customer is responsible for determining the appropriate amount of coverage. In the event of a loss, our policy pays the least of the stated amount, actual cash value, or cost to repair or replace. |
We offer South Carolina dump truck insurance in the following places and others...
: Columbia, Charleston, North Charleston, Greenville, Rock Hill, Mount Pleasant, Spartanburg, Sumter, Hilton Head Island, Florence, Goose Creek, Summerville, Anderson, Aiken, Myrtle Beach, Greenwood, St. Andrews, Wade Hampton, Taylors, Easley, North Augusta, Greer, Seven Oaks, Mauldin, Simpsonville, Socastee, Berea, Gantt, Ladson, West Columbia, Dentsville, Gaffney, Beaufort, Hanahan, Orangeburg, Cayce, Clemson, Conway, Irmo, North Myrtle Beach, Parker, Newberry, Forest Acres, Red Hill|
The coverages above do not represent all coverages available in each state or a full discription of services we offer. They are intended to only give an example of some of the coverages we offer.
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