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Frame The Importance of

Commercial Truck Insurance in Morganton, NC

  • Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
  • Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
  • That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.

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percent The Commercial Truck

Insurance Agency in Morganton, NC You Can Trust

Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.

As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.

Commercial Truck Insurance Morganton, NC

We Put Truckers First Because Others Don't

 Truck Insurance Morganton, NC

Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.

At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.

One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.

Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.

If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:

  • Affordable Trucking Insurance Plans for Any Budget
  • Exemplary Customer Service
  • Seasoned Transportation Specialists Who Customize Plans to Your Needs
  • A+ Carriers Across the Country
  • Simple, Easy Quote and Bind Process
  • Multiple Insurance Carriers Quoted to Find You the Best Rates
  • Truck Insurance for New Ventures

Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.

chart The Commercial Truck

Common Types of Big Rig Truck Insurance in Morganton, NC

At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.

As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.

Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.

For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.

Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.

While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.

Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.

Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.

Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:

  • Business Interruption Insurance
  • Reefer Breakdown Insurance
  • Occupational Accident with Contract Liability Insurance
  • Rental Reimbursement Insurance
  • Underinsured or Uninsured Motorist Insurance
  • Towing Insurance
  • Electronics Insurance
  • Much More

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Morganton, NC

Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.

Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.

Implement Preventative Maintenance Plans

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

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 Trucking Insurance Morganton, NC

Practice Defensive Driving

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
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 Commercial Liability Insurance For Truckers Morganton, NC

Find Ways to Prevent Distracted Driving

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

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 Commercial Truck Insurance Quote Morganton, NC

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

 Low Priced Commercial Truck Insurance Morganton, NC phone Call Now

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Commercial Truck Insurance Morganton, NC phone Call Now

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

 Truck Insurance Morganton, NC phone Call Now

check light FAQs About

Independence Insurance Agency

If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.

Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.

Typically, companies will look at claims that date back three years or less.

We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.

Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.

Independence Insurance Agency: Committed to the Trucking Industry

There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Morganton, NC that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.

 Trucking Insurance Morganton, NC

Latest News in Morganton, NC

Ingles in Morganton working to rebuild after Hurricane Helene flooding; store may get remodel

Keith Flynn said he has gotten emotional several times since Hurricane Helene moved through Morganton, damaging homes and businesses, including Ingles Market, where Flynn works.Flynn has been the manager of the Ingles in Morganton for 26 years. He considers the store a second home.The store is a source of pride for Flynn, and he gets sentimental about it. Over the past three weeks, he’s found himself crying, Flynn said.“I love the place, and I didn’t know how much until this happened,” Flynn said....

Keith Flynn said he has gotten emotional several times since Hurricane Helene moved through Morganton, damaging homes and businesses, including Ingles Market, where Flynn works.

Flynn has been the manager of the Ingles in Morganton for 26 years. He considers the store a second home.

The store is a source of pride for Flynn, and he gets sentimental about it. Over the past three weeks, he’s found himself crying, Flynn said.

“I love the place, and I didn’t know how much until this happened,” Flynn said.

When the nearby Catawba River rose over Carbon City Road, it brought water inside the store. The flood rose 2 to 3 feet inside, Flynn said.

After the storm, the store’s equipment, shelving and perishables were removed, and the interior is currently empty, Flynn said.

He said the corporate office is deciding whether it will go ahead and remodel the Morganton store — it was scheduled to be remodeled in five years — or just replace everything.

Flynn said the store didn’t suffer any structural damage. He said crews have cleaned out all the drywall to alleviate any potential for mold. Environmental workers are coming in to make sure it is all taken care of, so the store can get everything back in stock, Flynn said.

Helene didn’t just flood the store. It also scattered the store’s employees, whom Flynn calls family.

There are employees at the store whom Flynn has worked with for 30 years. He said employees of the store have been relocated to other locations for now.

Flynn said he doesn’t have a definitive date for when the Morganton store will reopen.

“We’re just trying to make sure we do it right, you know, and don’t just throw it together and just try to take our time to make sure it’s done right,” Flynn said.

In addition to Morganton, Hurricane Helene damaged three other Ingles Markets stores in Swannanoa, Newland and Spruce Pine, Flynn said.

“Definitely, it’ll be going again,” Flynn said of the Morganton location. “I know that 100%.”

Ingles Markets near Morganton that are open include the Marion store at 625 W. Henderson St., and the store across Castle Bridge at 2630 Connelly Springs Road, Granite Falls.

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Ingles reels from storm damage. Food options in NC mountains limited.

Ingles Markets, the Asheville-based grocery mainstay of Western North Carolina, sustained severe damage to its distribution center along the Swannanoa River and several supermarket locations when Tropical Storm Helene hit the mountains just over three weeks ago.The severe damage to Ingles’ Black Mountain distribution center will have a long-term ripple effect across the region, impacting Western North Carolinians’ food security, diet quality, unemployment levels, consumer behavior, and the viability of the company itself....

Ingles Markets, the Asheville-based grocery mainstay of Western North Carolina, sustained severe damage to its distribution center along the Swannanoa River and several supermarket locations when Tropical Storm Helene hit the mountains just over three weeks ago.

The severe damage to Ingles’ Black Mountain distribution center will have a long-term ripple effect across the region, impacting Western North Carolinians’ food security, diet quality, unemployment levels, consumer behavior, and the viability of the company itself.

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Plus, Ingles locations in four Western NC communities remain closed: Spruce Pine, Morganton, Swannanoa and Newland. In some cases, these closures are creating new food deserts in a region that is difficult to traverse due to damaged roads and mountainous terrain.

In the week leading up to Helene, operations at Ingles had already begun to falter. Storm anxiety caused waves of bulk-buying, and customers across the region were met with empty shelves.

The storm hit overnight in the early hours of Sept. 27, causing severe and worsening flooding in many Western North Carolina rivers and streams, including the Swannanoa River, the banks of which are home to the Ingles distribution plant in Black Mountain. Like much of the area, the plant lost power and sustained other damage.

Recognizing the important of Ingles to the region, U.S. Rep. Chuck Edwards, R-Hendersonville, sent “an industrial-sized generator” to power the distribution site. Employees spent the night at the distribution center on Sept. 29 to await its arrival.

“This will allow the distribution facility to begin emptying its shelves to restock empty stores,” Edwards said in a Sept. 30 statement.

Unfortunately, the area along the Swannanoa River near the plant made for some of the most dramatic wreckage of the storm. Though some key preparations were made at the plant, no one was prepared for the strength and volume of the river water.

“Ingles Markets is devastated by the catastrophic damage from Helene,” an Oct. 2 Facebook post from the grocery chain said.

“Unprecedented destruction and tragic loss of life have touched every town, city, community, and business. Our hometown Black Mountain, North Carolina, which houses our distribution center was one of these areas. We had loss of power, critical infrastructure, transport vehicles, inventory, and yes even loss of life.”

The generator could not be operated immediately, due to the severity of the damage. Crews also had to deal with large volumes of mud, including at the dock’s parking area, according to Edwards’ office. But the generator was connected and operational on Oct. 3, when it began to power about half of the facility. Partial food distribution also began. The emergency power allowed distribution to resume five to seven days earlier than it could have otherwise, according to Maria Kim, communications director for Rep. Edwards.

Operations at the distribution center returned to normal on Oct. 14, according to Kim.

However, the physical damage to the distribution center remains particularly devastating to the chain’s long-term operations and bottom line, as well as to continued availability of food in the region.

“Loss of a distribution center compounds losses because it expands the area impacted, which may extend to communities not hurt by the storm,” Michael Walden, NC State professor of consumer economics, told Carolina Public Press.

“Rebuilding the damaged facilities will require a long period — months, maybe years — which implies temporary facilities may have to be erected to store the quantities required by the communities. Because grocery stores and supermarkets provide products essential for living, replacing and repairing them will likely receive priority.”

After the storm, Ingles parking lots across the disaster zone became food distribution hubs for both people and pets. Even though the store itself was closed, Chick-Fil-A gave out free meals at the Ingles store in Swannanoa on Oct. 7. The Red Cross and Samaritan’s Purse have done the same. Ingles also partnered with MANNA Foodbank to distribute shelf-stable foods and essential supplies to storm survivors.

Ingles’ stock price dropped more than 18% between Sept. 30 and Oct. 7. There has been a slight rebound of 2.5% in the last five days, however.

Phone lines are still down at Ingles’ headquarters in Asheville, and company spokespeople did not respond to emails in time for publication.

The Ingles location in Spruce Pine is one of the four stores that remain closed. The store is one of the top employers of Mitchell County, leaving hundreds out of work. The deadline to apply for Disaster Unemployment Assistance through the state is Dec. 2.

Remote parts of the county depend on this Ingles location for food just as much as the residents of Spruce Pine, and the closure of the Ingles has created or worsened food deserts.

“Here in Bakersville, there is no grocery store, so we travel to the Ingles in Spruce Pine for groceries,” Charles Bynes, chair of the economic development board for Mitchell County, told CPP.

“Now that Ingles is closed, we have the Dollar General store for groceries, or a 20-mile commute to the Ingles in Burnsville. Two of the three restaurants we had in Bakersville were destroyed in the flood.”

Many residents in counties with closed Ingles locations — Mitchell, Avery, Buncombe, and Burke — are resorting to dollar stores for groceries, which notoriously lack healthy options.

“The net effect of damage to Ingles’ distribution center is worsened diet quality in the mountains,” Barry Popkin, professor of nutrition at UNC-Chapel Hill, told CPP. “In the case where the only grocery option becomes a dollar store, it’s very bad. Dollar stores have zero produce and zero healthy options. It’s all highly processed food, whereas a normal grocery store like Ingles has fresh meat, produce, eggs, and other healthy options.”

But Matthew Metzgar, economics professor at UNC-Charlotte, points out that anything is better than nothing.

“Areas that have dollar stores are probably a little better protected at the moment in terms of food security,” Metzgar said. “And even communities that have big grocery stores will take a hit on food quality in the short-term, because so much refrigeration went out. Perishable foods like meat, eggs, fruit, and vegetables are much harder to get across the board.”

Burke County’s Ingles location in Morganton sustained the worst flooding of any grocery store in town, according to city manager Sally Sandy.

“Ingles’ temporary closure is certainly a part of our economic distress after the storm,” Sandy told CPP. “We had 55 businesses flood, and Ingles is one of those, and also one of our largest grocery stores. It is a regional draw for us too, with substantial employment.”

Damage to roads means accessing stores that remain open, or even emergency food distribution centers, is difficult for some Western North Carolinians.

Food insecurity is already an issue in counties directly impacted by closures of Ingles store locations. In Buncombe County, 15,880 households receive food stamps through the state’s Supplemental Nutrition Assistance Program, or SNAP. In Burke County, 5,814 households are on food stamps. In Mitchell County, the number is 1,213 households, while in Avery County, it’s 998.

Those impacted by Tropical Storm Helene can apply for Disaster-SNAP, or D-SNAP, assistance between Oct. 18 and Oct. 24. The program expands eligibility to those who may not normally qualify to receive food stamps. The USDA has deemed more than 150,000 households in North Carolina eligible to apply for D-SNAP.

“We had a strong start to D-SNAP enrollment over the weekend,” DHHS spokesperson Kelly Haight told CPP in an email.

As of Monday morning, more than 12,000 households and 30,000 individuals have been approved to receive D-SNAP benefits in Western North Carolina.

Clarification: This article was updated on Oct. 25, based on new information that became available about the installation of a generator at the Ingles distribution facility in Black Mountain.

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Tagged: amdailiyAshevilleAvery CountyBuncombe CountyBurke Countyfood insecurityjobsMitchell CountyTropical Storm HeleneWestern NC

Jane Winik Sartwell

Jane Winik Sartwell is a staff reporter for Carolina Public Press, who focuses on coverage of health and business. Jane has a bachelor's degree in photography from Bard College and master's degree in journalism from Columbia University. She is based in Wilmington. Email Jane at jsartwell@carolinapublicpress.org to contact her.

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