Definition: Trailer trucks are vehicles designed to transport goods or people through rural or remote areas, such as agricultural lands, villages, towns, forests, etc., in a heavy-duty, four-axle capacity trailer chassis. A trailer truck insurance policy is an umbrella plan that covers the loss of your property due to a covered event. It typically provides coverage for damage from natural disasters, theft, vandalism, fire, accidents, and mechanical breakdowns that affect your trailer or cargo inside the vehicle. The policy also includes coverage for liability, comprehensive coverage, and minimum coverage requirements based on your insurance limits. The term "trailer truck insurance" is often used interchangeably with "truck insurance," which refers to a broader umbrella plan that covers both passenger vehicles and trailers. However, "trailer truck insurance" specifically refers to the specialized type of policy available for commercial and heavy-duty trucks, typically providing coverage for accidents and mechanical breakdowns rather than liability or comprehensive coverage. Trailer trucks come in different types such as open-topped, enclosed-tops, towable, and full-service trucks. The specific features and benefits of a trailer truck insurance policy can vary depending on your needs, the type of vehicle you are transporting, and the extent to which you want coverage for damages caused by accidents or mechanical breakdowns.
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