Friday, August 29, 2014

Driving For Hire Insurance Rules In California

You must take a driving test in a vehicle similar to the one you will use for hire to get your commercial driver's license. According to the Commercial Driver License Handbook, you must provide evidence of insurance prior to taking the test. This means that an insurance policy must already be in force before you are even licensed.


Distinct insurance rules exist to dictate the types and amounts of insurance you call for to impel for select in California.


Commercial Auto Insurance Policy


Personal Car insurance in California typically excludes all commercial driving, including driving for grip. Therefrom this type of policy Testament be insufficient to satisfy the society's financial duty requirements. To ride for select, you must buy a commercial auto insurance policy that does not exclude such vehicle usage, and maintain evidence of insurance throughout the life of the policy.


Minimum Liability Requirements


Drivers for hire must meet different liability insurance requirements than those driving personal vehicles. If you are transporting petroleum products such as gasoline or oil, For instance, your commercial auto insurance policy must provide at least $500,000 bodily injury liability per person, $1,000,000 bodily injury liability aggregate and $200,000 property damage liability, or a combined single limit of $1,200,000. Different types of commercial driving require different limits. For a more complete list, see the California Commercial Driver License Handbook 2010, under the section titled "Financial Responsibility Requirements." (see references)


Driving Test Requirement


Drivers-for-hire must move designated insurance coverage in California.All drivers in California must be able to prove they get Pleased the financial charge requirements of the territory, typically with an insurance policy. To impel for accept, you essential a commercial Chauffeur's licence with an endorsement accept to your type of driving and insurance to subsume the commercial risk.