Passenger Insurance

Should cost $12 per month. I was offered that before.

 

Last I heard Ryder doesn't allow passengers. See, the law states the operating authority is the one who decides who gets to ride and who doesn't. If that company is Ryder then no. If that is your company, then you would need to talk to management. Them saying it's an insurance issue is either ignorant or trying to make insurance the bad guy.

 

The answer is No. There is not a way outside of the carrier or operating authority to insure a passenger.

 

@bigsteelhouse - Whoever is paying the insurance knows the real story. This is the classic difference between company policy (to avoid higher insurance costs/lawsuits/etc) and actual law.

I would guess that this is company policy...I've seen truckers lose their operating authority because an "unlisted" driver (with a CDL) wasn't on the company insurance policy, but got in a NOT AT FAULT accident behind the wheel to drive a short leg. No company likes the idea of that, so if it's not the owner of the outfit, drivers many times won't be allowed to bring ride-along passengers.

Having said all that, a trucking insurance policy definitely has coverage available for passengers.

 

I will bring my question here too.
I would like to take my wife on few runs as passenger as well. I have my own authority and insurance is through progressive. Would it be a problem and costly to add passenger insurance with them? And also, am I allowed by law just to let her come with me to the trip without passenger insurance at all?

I would call and ask progressive, but last time I called them to ask a simple question, they almost cancelled my insurance on the spot and I've got in argue with the rep.

 

Hi Alexander,

I can't give any kind of answer on behalf of an insurance carrier, like Progressive. I will share some universal and public info that under a commercial auto policy (which is what your trucking policy for your authority is under) that you need to understand whether you live in a tort liability or no-fault state.

The biggest consideration I would make is to point you towards research on the Medical Payments and Personal Injury Protection (PIP) on your policy. These coverages pay out for drivers and their passengers. Obviously higher limits on these coverages will raise your premiums so they are often overlooked.

Another coverage to consider is the Uninsured/Underinsured Motorist because besides the previously mentioned coverages, this is the other one that can protect you personally. If you are hit by someone else and they are at fault, but don't have any or any adequate coverage, your limits here will be your only saving grace...and way too many drivers on the road do not carry any insurance or the bare minimum.

Hope that helps. I would look at MedPay vs. PIP and Uninsured/Underinsured Motorist coverages in my research and evaluate what works best for your operating authority.