Owning a truck in Springfield, MO, often means hauling everything from furniture to equipment. But have you ever stopped to think about how your auto insurance protects your truck and the cargo you’re transporting? At Spracklen Insurance Services, we want to ensure you’re covered for every mile you drive—especially when your truck is loaded up.
Does Your Auto Insurance Cover Cargo?
Standard auto insurance policies typically focus on protecting your vehicle, but what about the items you’re hauling? In most cases, personal auto insurance won’t cover damage to your cargo. If you’re transporting valuable or fragile items, you may need additional coverage, such as a cargo insurance rider or a commercial auto policy, depending on the situation.
Liability Risks When Hauling in Springfield
Improperly secured cargo can lead to accidents, damage to other vehicles, or even injuries. Springfield’s busy roads and highways, like Route 13 and Interstate 44, can amplify these risks. Liability coverage in your auto insurance policy can help protect you if your cargo causes damage or harm, but it’s crucial to ensure your load is properly secured to avoid claims.
Tips for Safe Hauling
- Use high-quality straps or tie-downs to secure your load.
- Distribute weight evenly to prevent tipping or shifting.
- Check local Springfield regulations for hauling oversized items.
- Consider additional coverage for high-value cargo.
At Spracklen Insurance Services, we’re here to help Springfield drivers find the right auto insurance coverage for their needs. Whether you’re hauling furniture for a move or transporting materials for a weekend project, we’ll make sure you’re protected. Visit Spracklen Insurance Services today to learn more about your options!
