Owner Operator Direct Commercial Truck Insurance Review

Owner Operator Direct is an insurance agency that specializes in commercial trucking insurance. The company covers towing, reload expense, traffic, security, expanded refrigeration, liability insurance and cargo losses. Owner Operator Direct also provides online quotes and online claim reporting.

Features and Services

Owner Operator Direct is a direct insurer of commercial truck insurance. Insurance policies include Cargo Form which offers comprehensive coverage with limited exclusions. Standard covered items include reload expense coverage, catastrophic limit of $1,000,000, towing expense coverage, liability insurance, bobtail insurance, earned freight charges, and expanded refrigeration coverage. Cargo Form also covers debris and pollution removal with a separate limit of $25,000, traffic and security expenses. Combined deductible for trailer, tractor, and cargo insurance losses is also available.

Insurance quotes are available online or by calling the company’s representative. Certificate of Insurance is offered for client’s who require proof of insurance coverage. Their easy-to-use Certificate Management System sends the Certificate of Insurance upon request.

The claiming process vary according to claim type. In order to process claims the company will require certain information such as date and time of the accident, description of damage and/or injuries, description of accident, exact location of accident, and copies of accident reports from authorities who responded to the scene. Clients must also provide insurance information of the driver and owner of the vehicles involved, vehicle detail, basic information of parties involved and basic information from witnesses.  

Commercial Truck Insurance at Owner Operator Direct

Owner Operator combines excellent coverage and competitive rates with its commercial truck insurance. Coverage options include security expense, no coinsurance penalty, expanded refrigeration, towing expense and reload expense. Owner Operator Direct also sets a maximum limit of $1,000,000 for catastrophic and $25,000 for debris and pollution removal.