Hunter NelsonOwner of Nelson Insurance Agency

Trucking Insurance: Auto Liability Explained Simply.

13 Mar 2026 · 1 min

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In this segment, the presenter explains that federal law mandates auto liability insurance for trucking operations that operate under their own authority. The coverage protects against bodily injury to third parties and property damage caused by the truck, illustrated with a scenario where a rear‑end collision results in $250,000 in injuries and $50,000 in vehicle damage. The speaker notes that most carriers provide at least the federally required $750,000 minimum, with $1 million policies being the industry norm, and emphasizes that auto liability is the foundational layer of a trucking insurance program.

Chapters

It's going to be primarily your auto liability. So this is federally, federally required if you're operating under your own authority. So it's going to cover bodily injury to others and property damage that you cause. So if you rear-end a vehicle and cause $250,000 in injuries and $50,000 in vehicle damages, this coverage is going to pick up. So most carriers carry the $750,000 minimum. And you'll typically see that it's more common to have the $1 million in auto liability coverage, um, which is going to be like your foundation of trucking insurance on a policy.