What Is It? 

 

Primary liability insurance is the most basic insurance that covers injuries or damage to other people and property if you’re at fault for an accident. 

 

Primary liability insurance includes two parts. The first part is bodily injury liability insurance. If you cause an accident that injures or kills another person, this part of your insurance will cover any related expenses, including medical bills, funeral expenses, and lost earnings. 

 

The second part of your insurance is the property damage liability insurance. This part will cover expenses of repairing or replacing damaged property, such as vehicles, houses, or even pets. 

 

Lastly, primary liability insurance may pay for your legal bills if you are sued due to an auto accident. 

 

What Does It Cover?

 

Primary liability insurance will provide a coverage limit for both bodily injury and property damage. If you’re hauling interstate a minimum of $750,000 is required for FMCSA. In most cases, this may not be enough coverage. The majority of brokers and shippers will require you to have $1,000,000 in coverage plus cargo.

 

 

Do I Need It?

 

Yes. 

 

Anyone who drives a vehicle must have primary liability coverage. When hauling interstate, it is required to have a minimum of $750,000 in liability coverage to get filings. When hauling intrastate, you should check your state's requirements.