If you work as an independent trucker full-time, then you may have to face accidents at some point. Since these risks are present regardless of how well you drive a rig, it's a good idea to invest in occupational accident insurance. You then will be able to enjoy a couple of things.
Easy to Bundle
If you're looking to be covered in multiple ways as a full-time trucker that is exposed to hazards every day, then you'll be able to benefit from an occupational accident insurance policy. Regardless of what terms and coverage amount you go with, this type of insurance can be bundled with other insurance.
Then even if you're involved in a severe collision in a commercial rig, the costs shouldn't be too much to where you can't manage. Occupational accident insurance and your other selected insurance policies will keep your out-of-pocket costs as low as possible.
Passenger Accident Coverage Is Available
You need to have protection in case a collision in your rig does cause injuries, but you might also need protection for passengers. You may have a partner that travels with you on the road, and they would be vulnerable financially if they had to pay for medical costs after a severe trucking accident that you were involved in.
Fortunately, with occupational accident insurance, you typically have the option to purchase passenger accident coverage too. Then you won't be responsible for dealing with your passenger's medical bills and post-treatment services that may be warranted for a full recovery.
Physician Referral Services Make Receiving Medical Treatment Easy
You're treated to a lot of great things when you pay for an occupational accident insurance plan. One of the most helpful is a physician referral service. You'll need it if you're involved in an accident around an area that you don't live near. You may have no clue which physician to see to help diagnose and treat your injuries after a commercial vehicle collision.
Your insurance provider can help you out with this so that you don't go to the wrong doctor and have medical costs pile up. The provider of the occupational accident insurance will find physicians in your network that are experienced in treating accidents that come from semi-truck accidents.
There are always risks for independent truck drivers each day, but at least there is protection in occupational accident insurance. If you're able to get this policy, you will have a dynamic type of coverage that you may need later on in your trucking career.