As a commercial truck driver in California you’re probably used to traffic congestion that would probably shock drivers anywhere else in the country (but not you). Shock value aside, there is still something stressful about operating your vehicle in the congested parking lot that is the 405 knowing that at any moment your career could come to a crashing halt in an instant. A quality commercial truck insurance policy will help you avoid the financial repercussions associated with an accident, but such a policy might seem unnecessarily expensive. For that reason, quite a few contractors have opted for cheaper policies that provide inadequate coverage. Listed below are three ways for you to identify whether or not cheap truck insurance California is too good to be true.
If you enjoy driving on the open road, seeing new places and enjoy the relative comfort of being alone in your vehicle then you may want to consider becoming a commercial truck driver. Little boys playing with their Tonka trucks dream of one day being able to drive a Mack truck. And, if you decide to go down that path then you are essentially living that dream (plus you get to drive Optimus Prime, which is a pretty badass occupation). My family has been driving trucks for generations now, and while it’s not all glamorous, I can tell you that there are aspects of that job that you won’t find anywhere else. So, if you’re planning on becoming a commercial truck driver you might want to check out these commercial drivers license requirements (cause there’s no better route than the direct route).
Commercial Drivers License Requirements
Commercial motor vehicles (CMV’s) are a little bit more complicated than your Dad’s Tundra or F150 and therefore require additional instruction and training. To obtain a Commercial Driver’s license you will need to pass a series of written and skills test that are designed to show that you can handle the equipment. Why all the tests? Because as difficult as a CMV can be to operate the tests are an attempt by the states to weed out unqualified drivers who could pose a risk to themselves and others if they were allowed on the open road. So, CDL’s aren’t for everybody, but having a license will give you the ability operate a whole different class of vehicles.
When do you need a CDL?
You’ll need a CDL for a few different reasons. Either because you want to drive a massive truck and work for a big shipping company or, you have a truck that meets the following criteria established by the DOT.
- A truck with double or triple trailers
- Trucks with tanks
- A truck carrying hazardous materials
The last requirement of your commercial drivers license requirements is to actually apply for your license (which is a 4 step process). We have provided you with a short version below. For the full version please feel free to check out this link.
1. Get a Copy of Your State’s CDL Manual
2. Decide What Type of Vehicle You Want to Drive
3. Get Your Commercial Learners Permit (CLP)
4. Get Your CDL
I used to take the bus from Buffalo to Boston quite a bit. It is a pretty long ride (11.5 to 12 hours) but there were always very interesting people with very interesting stories that made the ride a little bit more enjoyable. My most interesting conversation lasted almost the full 12 hours and involved a girl, in her mid-20’s, who was traveling to Maine to go back to carpentry school. She was a little quirky; had mismatched glasses, multi-colored hair and a demeanor that may have driven others away.
Becoming a plumber can be a great career choice for those who are thinking about learning a trade where they can work with their hands. It is a great line of work. And, with the job outlook for plumbers expected to increase by 21% by 2022 (much faster than the national average) you could not pick a better time to be a plumber. There is one drawback though. As a plumber you will be dealing in a high risk industry, like any other construction job, and could be exposed to potential litigation and injury.
Trying to avoid lawsuits and injury would drive even the sanest person mad but you there is a way to protect yourself from those negatives in an otherwise overwhelmingly positive industry. Plumbers insurance will give your young business the protection it deserves and the security that will allow you to sleep a little better at night. And since insurance can be a bit complicated at times we have broken down what plumbers insurance should cover, who should have it and any additional policies you should consider as a plumber.
What is plumbers insurance and who should have it?
Plumbers insurance covers exactly who you would assume it would cover. Everyone from plumbing contractors to pipe fitters to re-modelers and developers should carry plumbers insurance. The policy is designed to protect you against a wide variety of risks, damages and accidents that you would otherwise have to pay for out of pocket.
While plumbing insurance will cover quite a bit of the risk associated with the job it will not cover all of it. To do that you are going to have to choose from a few different types of insurance policies (which we have broken down below).
Commercial auto insurance – if you have a plumbing van or some other vehicle that you drive around to get from client to client you may want to think about procuring a commercial auto insurance policy. It will protect you from auto liability and collisions and will cover repairs as well. Keeping your major mode of transportation safe from damages that could put you out of commission for a while.
General liability insurance – This policy covers everything from property damage to workplace injuries. It is the do-all package (which can save you a lot of headaches) and we can tailor it to fit any of your plumbing needs because we understand that every contractor is unique and your insurance policy should meet your unique needs.
If you have any further questions or would like to schedule a meeting with one of our representatives please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!
What’s the difference between commercial auto insurance and personal auto insurance? I’ll give you a hint, it doesn’t have to do with the name you register it under. But, plenty of people will make that mistake and find themselves in trouble because they now lack the proper coverage. Making sure you are properly covered is one our specialties and we’ll come up with an auto insurance plan that will work best for you and your business. That’s why we’ve provided a breakdown of both personal auto insurance and commercial auto insurance below so that you no longer have to worry about whether or not you have the proper plan.
What is personal auto insurance?
It’s exactly what it sounds like. Personal auto insurance packages are designed to cover the operation of your own vehicle (and can also cover your liability when driving a car you do not own). Your own vehicle is used for your own use (i.e. driving to and from work, on road trips, to the grocery store, etc.) We highly recommend that you have some kind of personal auto insurance if you plan on driving. If you don’t have it and get into an accident with a friend’s car you could find yourself paying quite a bit in damages.
What is commercial auto insurance?
Commercial auto insurance is designed to cover both vehicles and people who drive for a living. The insurance package covers everyone from the pizza delivery guy to the tech support van your IT company may own and protects you and your business from financial responsibility in the aftermath of an auto accident. Since commercial auto insurance covers such a wide range of businesses and business needs we strongly suggest that you at least consult an insurance professional before you purchase an insurance package.