An accident is every driver’s worst nightmare. It can happen at any moment, costing you thousands of dollars. It can even injure or kill you, your employee, or someone else.

A tractor trailer accident can be devastating. You need insurance to protect yourself and your loved ones. Here are seven reasons why you should purchase tractor trailer insurance.

  1. Injuries and Deaths Are on the Rise

Injuries from truck accidents rose by 96 percent between 2009 and 2016, totaling nearly 150,000 injuries that year. Deaths from truck accidents rose by 41 percent between 2009 and 2017, totaling nearly 5,000 deaths that year.

Tractor trailer insurance will not stop a tractor trailer accident from occurring. But, it will provide compensation to you after one occurs.

  1. Distracted and Impaired Driving

The leading cause of accidents is distracted or impaired drivers. Phones distract, fatigue causes drivers to fall asleep, and drivers drive over the centerline or off the main road into another vehicle.

Phones will only become more commonplace, and drivers will continue to work several days on the road at a time. You need to free your truck from distraction, and you need eight hours of good quality sleep every night. But you also need insurance, so one moment of distraction does not cost you.

  1. Physical Damage

Truck repairs are extensive after an accident. New body fillers, paint jobs, and windshields can run into thousands of dollars while keeping you off the road for days.

Physical damage insurance covers the expenses of your repairs. Many insurers offer rental cars and trucks to their clients, letting you drive while your vehicle is in the shop. Comprehensive tractor trailer insurance covers your truck if it’s stolen, vandalized, or damaged by falling debris.

  1. Auto Liability

If you run a trucking business, you can protect it with liability insurance. Liability insurance covers the costs you are legally obligated to pay after an accident.

Rather than paying out of your business accounts, you pay out of your insurance. You can remain in business without fear of shutting down.

  1. Cargo

Cargo is often damaged in an accident. If you don’t have insurance, you or your business may have to pay for damages, especially if you’re transporting goods for someone else.

Cargo insurance covers damages from an accident. Some programs even cover disasters like fire and theft.

  1. Pollution Coverage

Vehicles are filled with chemicals and pollutants that can cause damage after an accident. If you are carrying pollutants that spill, you can be liable for damages, even if the spill was not your fault.

Pollution coverage covers damage to your truck and to the environment. Environmental damage can lead to millions of dollars in expenses. Protect yourself with pollution coverage.

  1. Breakdown

Breakdowns can lead to accidents and lost productivity. If your truck breaks, you will need immediate repairs, sometimes on the roadside.

Breakdown insurance covers roadside and garage repairs. Some policies offer rentals, letting you continue driving, even after an accident.

Act Before a Tractor Trailer Accident

An accident, chemical spill, or breakdown can occur at any time. Impaired driving is on the rise, and accidents are becoming deadlier. You can be injured and financially devastated.

But you do not have to be. Protect yourself before a tractor trailer accident today, and read this guide on what you need to know before you get insurance. You can also find more information on repairs on our site.