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Truck Insurance for transport professionals

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Truck Insurance

The truck insurance is essential for carriers who make their living at the wheel of your car. It is not advisable to make a mistake with the choice of the policy, since we are talking about your work tool and the main investment of your transport business. Anything that happens to the truck or tractor will end up having an impact on your activity and your pocket. That is why today we address the different types of Truck Insurance that transport professionals can hire to protect your vehicle.

Publix Insurance is very important for carriers. Insuring heavy vehicles is essential because they are highly exposed to all kinds of risks and any loss can have disastrous consequences for truckers. Let’s not forget that trucks are expensive vehicles, in which any repair is usually very expensive and whose loss can ruin these professionals.

In addition, insurers view truck drivers as customers at high risk for an accident. It must be borne in mind that carriers spend many hours behind the wheel each week, on routes that sometimes cover thousands of kilometers and cross a border.

In addition, these professionals are subjected to the stress that their activity entails, with the constant responsibility of delivering their clients’ merchandise on time and in good condition. A circumstance that increases the chances of having an accident behind the wheel of a truck.

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Choosing a truck policy

Finding the right policy for your truck is a key decision for a freelancer in the trucking industry. It is necessary to find an Insurance that includes the necessary coverage to protect a heavy vehicle, but without the price of the premium being unaffordable for the professional.

To find the right option, there is a wide offer in the market where you can compare Truck Insurance, although in general terms there are three types of Truck Insurance that we can find:

  • Third-Party Truck Insurance
  • Extended Third-Party Truck Insurance
  • Full Risk Truck Insurance

In addition, it is very common for carriers to contract these policies in the franchise mode, to be able to include coverage that is necessary for their business and that the price of the premium does not skyrocket. In this way, they share risks with the insurance company, but they can travel more relaxed knowing that they have broader protection. Let’s see one by one what coverage they offer.

Third-Party Insurance or Truck Traffic Insurance

The third-party insurance also called the Insurance Circulation truck provides the minimum coverage required by law which can secure a truck. This basic policy covers the driver’s Civil Liability for possible damage or damage that may be caused to third parties, both physically and in other vehicles, in the event of an accident.

Many specialized insurers have Basic Insurance for trucks that, in addition to Circulation Insurance, include some more guarantees and services. It is the way to offer the road professional a sufficient minimum coverage to go out to work with her vehicle with enough peace of mind.

The third-party insurance for Trucks have good acceptance among truckers because it is the most economic policy, but its protection is limited. For example, this policy will not cover damage to the truck itself in a claim. Nor will it cover damages that affect the physical integrity of the trucker, unless this coverage is complemented with a Driver’s Insurance, which is highly recommended.

In any case, if we want to have additional coverage, we will have to look for an extended Third Party Insurance, with extra guarantees.

Extended Third-Party Truck Insurance

The truck insurance Expanded Third Party is the option of choice for many professionals to ensure transport a tractor-trailer or truck. This Insurance expands the basic coverage of Third Party Insurance with the contracting of guarantees and extra services that can get the trucker out of more than one problem on the road.

On the other hand, this type of Truck Insurance is halfway between basic policy and a Comprehensive Insurance, which makes it an intermediate option between the cheapest and most expensive Insurance for trucks. It would be an intermediate option, which can be more affordable if contracted with a franchise.

In addition, in this type of policy for freight vehicles, there is more room for maneuver in contracting coverage, and that flexibility allows the insurance budget to be adjusted to the needs of the truck driver. Among the interesting coverages for a transport company  with which a Third Party Truck Insurance can be extended, we can highlight:

  • Moons insurance
  • Theft or attempted theft and vandalism insurance
  • Truck fire insurance
  • Legal assistance
  • Roadside assistance

It is important to note that this type of Truck Insurance has the main advantage that it usually includes among its coverages a Driver Accident Insurance, an essential coverage in a company dedicated to road freight transport. The Driver’s Insurance covers health care and the death of the carrier in an accident with an insured capital that is established in the Truck Insurance policy. If you have taken out Extended Third Party Insurance for your truck, it is convenient to review this guarantee to confirm that the amount insured is sufficient.

All Risk Insurance for Trucks

The Full Risk Insurance for Trucks is the option that offers greater protection for a transport vehicle. In addition to the Compulsory Civil Liability Insurance and other guarantees that extend the coverage to Third Parties of the policy, this modality also includes the coverage of Own Damages that can compensate the carrier for the total loss of the vehicle in an accident, which generates certain peace of mind to their owners.

These policies usually include a series of less common coverages and services, but which can be very useful for carriers, such as the Loss of License Insurance or the Cargo Liability Guarantee.

This type of insurance for trucks is the most exclusive and professional transporters often invest in this policy when it comes to insuring a new truck or tractor unit. The investment in these vehicles is very high and many times it even requires external financing to be able to assume its cost. Protecting that investment against the possibility of a total loss is the reason that leads to truckers and transport companies to take out this Insurance for new trucks. And it is that the price of these policies is at the same level as the investment made in the purchase of the vehicle.

For this reason, it is common to contract the Full Risk Insurance in excess for the truck. With the franchise, by ensuring the vehicle the price of the premium is cheaper, in exchange for sharing the risks with the insurer and assuming a part of the costs that a claim may generate. If you are interested in this type of policy, in this blog we inform you about the advantages of insuring a truck with a franchise.

Based on these types of Transportation Truck Insurance, specialized insurers in the sector offer us a wide variety of policies, among which it is convenient to compare to find cheap insurance and with the necessary coverage for our business.

For many truckers, choosing the right policy is not easy. To get a tight budget for Truck Insurance and not forget important coverage, it can be important to have expert advice during the hiring.

In this sense, you should know that by trying our online insurance comparator we can advise you on the choice of coverage and we accompany you throughout the hiring process. We are insurance brokers and it is our rule to resolve any questions you may have, with maximum independence.

In this way, we can help you insure the truck with a policy adjusted in price and with the guarantees that you really need. In addition, as we have been insuring carriers for decades, we have access to the best offers on the market, and we can offer you the cheapest insurance for your truck or tractor.

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How does acupuncture work? All you need to know

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How does acupuncture work? All you need to know

Acupuncture work

Chinese traditional medicine is considered very effective. It consists of many unique methods of treating diseases. Many countries around the world are studying these theories and are beginning to apply them in practice in their clinics. One of these methods is acupuncture. It helps cope with a large list of diseases as well as improve the overall condition of the organism. You can undergo the procedure at a Cross-Up Chiropractic clinic, which employs qualified specialists.

Briefly on the term “acupuncture”

Acupuncture (acupuncture) is an ancient Chinese treatment method. During the procedure, the patient is injected with special needles into the biologically active points. According to Chinese theory, it is believed that the Qi energy is flowing in a person, and only this energy can ensure good health. If it starts to stagnate, various diseases occur. There are over 500 such active points on the human body. They are all connected to each other.

Acupuncture helps:

  • reduce pain;
  • improve the condition of the skin, hair and nails;
  • restore normal hormone synthesis;
  • increase overall immunity;
  • to flush out all the toxins;
  • remove muscle cramps;
  • improve blood circulation.

Acupuncture can really help with a problem with any system of the body.

How does acupuncture work?

A course of acupuncture can only be performed by a specialist who has appropriate training and a license. A person must know when and in what place to insert needles depending on the disease.

The session usually takes place in the comfort of a warm, quiet place on a soft couch. The right amount of needles is injected into a certain part of the body (depending on the problem). The patient usually feels nothing and there is no pain. The session lasts for 15-30 minutes. Then the acupuncturist takes the needles out.

Three to 15 sessions may be needed to improve your health. Everyone feels differently after the treatment. Some feel relaxed and sleepy, others feel a burst of energy.

What can and can’t be done after the procedure?

Immediately after the session, it is recommended that you just lie down for 10-15 minutes and drink water. But these are not all the rules that must be observed. For the duration of the treatment and for two weeks after it, you can’t:

  1. Take any alcoholic beverages. Keep coffee and tea to a minimum. It is better to ask your doctor how much you can drink per day.
  2. Heavy physical activity. Many people feel so energized after the first sessions that they are ready to do something and exercise around the clock. This is not the way to do it. It is better to let the body rest.
  3. Strong drugs like antidepressants, painkillers, and antibiotics are forbidden. Before starting therapy, it is better to ask a specialist about the compatibility of medications and acupuncture.

And the most important point is that for effective results, you need to take a full course of acupuncture. Some patients see an improvement after the second or third time and decide that they have had enough. This is categorically not the way to do it. Only a completed course can benefit the body.

Chinese traditional medicine is considered very effective. It consists of many unique methods of treating diseases. Many countries around the world are studying these theories and are beginning to apply them in practice in their clinics. One of these methods is acupuncture. It helps cope with a large list of diseases as well as improve the overall condition of the organism. You can undergo the procedure at Cross-Up Chiropractic clinic, which employs qualified specialists.

Briefly on the term “acupuncture”

Acupuncture (acupuncture) is an ancient Chinese treatment method. During the procedure, the patient is injected with special needles into the biologically active points. According to Chinese theory, it is believed that the Qi energy is flowing in a person, and only this energy can ensure good health. If it starts to stagnate, various diseases occur. There are over 500 such active points in the human body. They are all connected to each other.

Acupuncture helps:

  • reduce pain;
  • improve the condition of the skin, hair, and nails;
  • restore normal hormone synthesis;
  • increase overall immunity;
  • to flush out all the toxins;
  • remove muscle cramps;
  • improve blood circulation.

Acupuncture can really help with a problem with any system of the body.

How does acupuncture work?

A course of acupuncture can only be performed by a specialist who has appropriate training and a license. A person must know when and in what place to insert needles depending on the disease.

The session usually takes place in the comfort of a warm, quiet place on a soft couch. The right amount of needles is injected into a certain part of the body (depending on the problem). The patient usually feels nothing and there is no pain. The session lasts for 15-30 minutes. Then the acupuncturist takes the needles out.

Three to 15 sessions may be needed to improve your health. Everyone feels differently after the treatment. Some feel relaxed and sleepy, others feel a burst of energy.

What can and can’t be done after the procedure?

Immediately after the session, it is recommended that you just lie down for 10-15 minutes and drink water. But these are not all the rules that must be observed. For the duration of the treatment and for two weeks after it, you can’t:

  1. Take any alcoholic beverages. Keep coffee and tea to a minimum. It is better to ask your doctor how much you can drink per day.
  2. Heavy physical activity. Many people feel so energized after the first sessions that they are ready to do something and exercise around the clock. This is not the way to do it. It is better to let the body rest.
  3. Strong drugs like antidepressants, painkillers, antibiotics are forbidden. Before starting therapy, it is better to ask a specialist about the compatibility of medications and acupuncture.

And the most important point is that for effective results, you need to take a full course of acupuncture. Some patients see an improvement after the second or third time and decide that they have had enough. This is categorically not the way to do it. Only a completed course can benefit the body.

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