Who needs it
Owner-operators and 1099 drivers who aren't covered by workers' comp. Many motor carriers require it in the lease.
What it pays for
- Medical bills for injuries on the job
- Part of your income while you can't work, for a set period
- Accidental death and dismemberment benefits
- Survivor benefits for your family, on many policies
What it won't pay for
- Illness and injuries off the job, usually
- Medical bills or income above the policy limits
- Injuries while under the influence of drugs or alcohol
- Pre-existing conditions, on many policies
- Your truck and liability to others
What moves the price
We don't show prices online. These are the things an agent and the insurance companies look at.
- The benefit limits you choose
- The waiting period before income benefits start
- Your age and health questions, on some policies
- Whether you buy through your motor carrier's group or on your own
Real situations
- You slip on ice while securing a load and break your leg. Occupational accident pays your medical bills and part of your income while you can't drive.
- You're hurt in a crash while hauling under dispatch. Occupational accident pays your medical bills up to its limit; the other driver's injuries go under liability.