Trucking Glossary

A party included under another's policy through its terms or an endorsement, within specified coverage that may differ from the named insured's.

Check the actual policy or endorsement, not only a COI entry.

A person investigating and evaluating a claim for an insurer.

An inquiry is not a payment decision.

Insurance for specified loss or damage to cargo being transported. Covered commodities, causes of loss, limits, and deductibles depend on the policy. Customer insurance requirements and federal filing requirements are separate questions.

Also: 货损险

The party named to receive insurance evidence on a certificate. That status alone does not grant insured rights.

A request to be the certificate holder is not itself additional-insured coverage.

A summary of insurance information as of issuance, usually prepared by an insurer or producer for a customer or broker. It is not the policy and does not add or guarantee coverage; the policy and endorsements govern the actual coverage.

An insurer's tracking number for a claim.

Confirm the number when contacting the insurer.

The amount applied as the insured’s share of a covered loss under the policy. Establish whether the loss is covered, then check the applicable deductible and other terms; exceeding the deductible does not by itself establish coverage.

A cause, condition, person, use, property, or commodity that the policy states is not covered, whether in the main form or an endorsement. An applicable exclusion can bar coverage even when the policy has high limits, remains active, or a COI has been issued.

Before taking a new commodity or changing the vehicle, driver, route, or use, compare the exposure with the policy and endorsements. Ask the broker or insurer for written clarification when uncertain; “full coverage” or a COI does not mean there are no exclusions.

Also: 免责条款 · 不保事项 · 承保除外 · coverage exclusion · excluded risk · policy exclusion

FMCSA financial-responsibility and insurance-filing requirements vary by entity, operation, vehicle, and cargo. Identify the applicable category, then consult the current official table and regulation rather than applying a single amount to every truck.

Coverage typically addressing specified third-party bodily injury or property-damage liability from non-auto business operations. It is distinct from commercial auto liability; covered operations, limits, and exclusions depend on the policy.

A request to an insurer for coverage or compensation, not a determination of liability, coverage or payment.

Distinguish the request, its reference number and an actual payment.

A document modifying or supplementing a policy; it may add, restrict or change coverage. This is not a CDL endorsement.

Read it with the policy and effective dates.

A liability-coverage label used in some leased owner-operator arrangements, with covered use defined by the policy. No trailer, no cargo, and personal use are different conditions; ask the insurer or producer to apply the policy to the actual use.

Also: bobtail 保险 · bobtail insurance

Coverage for insured physical loss or damage to listed trucks or trailers. It addresses damage to the vehicle itself. Covered causes, valuation, deductibles, and exclusions depend on the policy; it does not replace cargo or third-party liability coverage.

Also: 车体险

The maximum an insurer will pay overall or under a particular coverage, still subject to coverage, exclusions, and other policy terms. One policy may contain per-occurrence or per-claim limits, aggregate limits, and sublimits. A limit is not a deductible or a promise that every claim will be paid up to that amount.

Review the declarations, coverage schedule, and endorsements for per-occurrence, aggregate, and cargo or other sublimits. A large number on a COI does not replace the policy or establish coverage for a particular haul.

Also: 保险限额 · 赔偿限额 · coverage limit · limit of insurance · liability limit

Coverage addressing insured liability for bodily injury or property damage to others arising from vehicle operations. It does not automatically cover the carrier’s own truck or cargo; check policy limits, conditions, and applicable legal requirements separately.

Also: 主责险 · Auto Liability

A mechanism allowing an insurer after payment to pursue recovery from a responsible party, subject to applicable law and policy terms.

Have an insurance professional explain the effect of any waiver in the actual agreement.