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Home » O’Neal & Associates Insurance Truck Insurance – Houston, Texas

O’Neal & Associates Insurance Truck Insurance – Houston, Texas

O’Neal & Associates Insurance Truck Insurance - Houston, Texas

Reliable Truck Insurance Solutions in Houston, Texas

As a truck owner in Houston, Texas, you’re undoubtedly aware of the significance of having dependable and cost-effective truck insurance. Choosing between different coverage options can be overwhelming, especially when you’re on a budget. This is where O’Neal & Associates Insurance steps in as your reliable ally in obtaining comprehensive and trustworthy truck insurance in Houston, Texas. We meticulously craft specialized policies to cater to the needs of truck owners and operators, guaranteeing their security on the road.Auto Insurance Quote

Minimum State Requirements for Truck Businesses in Texas

In Texas, truck businesses must meet specific insurance requirements to operate legally. These minimum state requirements include:


Liability Insurance

  • Bodily Injury Liability: $30,000 per person and $60,000 per accident. This coverage pays for medical expenses, lost wages, and other costs associated with injuries sustained by other people in an accident for which you are at fault.
  • Property Damage Liability: $25,000 per accident. This coverage pays for repairs to another person’s property, like vehicles, buildings, or structures, if you cause an accident.


Cargo Insurance: Required for those transporting goods, ensuring coverage for the value of the cargo.


Uninsured/Underinsured Motorist Coverage

We meticulously craft specialized policies to cater to the needs of truck owners and operators, guaranteeing their security on the road. This coverage can be crucial for avoiding significant out-of-pocket expenses in such scenarios.


Additional Requirements:

  1. Commercial Auto Insurance: For trucks used for business purposes, commercial auto insurance is required. This coverage typically includes liability, physical damage, and medical payments, tailored specifically for commercial vehicles.
  2. Motor Carrier Act of 1980: For interstate trucking, the Federal Motor Carrier Safety Administration (FMCSA) mandates specific insurance requirements under the Motor Carrier Act of 1980. This includes minimum liability coverage amounts based on the type of cargo being transported. For example, $750,000 for general freight, $1,000,000 for hazardous materials, and $5,000,000 for certain other hazardous substances.


Meeting these minimum requirements is essential for compliance with Texas state laws and for the protection of your business and assets. Budget Auto Quote ensures that all our truck insurance policies meet or exceed these state requirements, providing you with the necessary coverage to operate with confidence.


Coverage Options with O’Neal & Associates Insurance Truck Insurance

O’Neal & Associates Insurance Truck Insurance in Houston, Texas, offers a range of coverage options to suit different needs and budgets. Here are some of the key coverage options available:


Liability Insurance

Liability insurance is mandatory in Texas and covers the costs if you are responsible for an accident that causes injury or property damage to others. O’Neal & Associates Insurance Truck Insurance ensures that you have adequate liability coverage to meet state requirements and protect your assets.


Collision Insurance

Collision insurance covers the repair or replacement costs of your truck if it’s damaged in an accident. This coverage is significant for truck owners who rely on their vehicles for their livelihood. With O’Neal & Associates Insurance Truck Insurance, you can find affordable collision insurance that fits your budget.


Comprehensive Insurance

Comprehensive insurance protects your truck against non-collision damage, including theft, vandalism, and natural disasters. This coverage is essential for protecting your investment in your vehicle. O’Neal & Associates Insurance Truck Insurance offers competitive rates on comprehensive insurance, ensuring that you’re covered against a wide range of risks.


Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages. This type of coverage is crucial in ensuring that you’re not left with out-of-pocket expenses in such situations. 


Why Choose O’Neal & Associates Insurance Truck Insurance?

Tailored Insurance Solutions for Every Need

At O’Neal & Associates Insurance, we understand that every trucking business is unique. That’s why we offer tailored insurance solutions to meet the specific needs of our clients. Whether you’re a long-haul trucker, a local delivery driver, or manage a fleet of trucks, we have the right coverage for you.

Experience and Expertise

With years of experience in the industry, our team at O’Neal & Associates Insurance possesses deep knowledge and expertise in truck insurance. We stay updated on the latest industry trends and regulations to ensure you receive the best possible coverage.

Customer-Centric Approach

Our customer-centric approach means we prioritize your needs and preferences. We work closely with you to understand your business and provide personalized insurance solutions. Our goal is to build long-lasting relationships with our clients based on trust and reliability.


Secure Your Free Quote Now!

Secure affordable truck insurance in Houston, Texas with O’Neal & Associates Insurance. Get comprehensive coverage and competitive rates for your truck today! Contact us at 855-218-6308 to learn more and get a free quote. Travel with confidence, knowing that O’Neal & Associates Insurance has you covered every mile of the way.