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Insurance Requirement

 

Insurance Requirement for the USA

The vast majority of the states don’t require any more protection than is required for your ICC, and those states don’t expect you to have an endorsement on record with that state. Be that as it may, 19 expresses have strict protection necessities that must be met before we can buy a larger than usual/overweight truck allows. More often than not it just requires a short measure of investment to get the protection sent to the state and prepared with the goal that we can get your truck to allow that day. There are a couple of states where it takes something beyond an endorsement of protection, and it can take a few days to get it handled. To assist in getting your truck licenses, it is best to have your protection dealt with before you have to buy the grants. The accompanying is the states with which you need to have protection on record and what their necessities are.

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Alabama

Normally permit is valid for 5 days. An indemnity bond or proof of insurance in the limits of $300,000 for annual permits. Alabama Highway Department shall be listed as Certificate Holder. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ Alabama also requires a ‘New Hauler’ form to be filled out if you have not hauled in Alabama before. The processing of insurance and the new hauler form generally only takes 2-3 hrs.’, depending on how busy they are. This must be taken care of before purchasing truck permits. For additional information go to

Oversize/Overweight Permit

Alaska

Normally permit is valid for 3-5 days. For additional information go to

Oversize/Overweight Permit

Arizona

Normally permit is valid for 4 days. For additional information go to

Oversize/Overweight Permit

 

Arkansas

Normally permit is valid for 3 days. Insurance must be on file with the Department. Insurance for an individual owner of a mobile home that is up to 12′ wide is $25,000/100,000/15,000 or total liability insurance of $115,000. House movers will need a damage bond in addition to the insurance. Insurance for a house is $100,000/300,000/25,000 or total liability insurance of $325,000. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ The state accepts faxed copies of insurance certificates. This can be done just before ordering permits. For additional information go to

Arkansas Oversize/Overweight Permit

 

California

Normally permit is valid for 4 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit click here

Colorado

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit click here

 

Delaware

Normally permit is valid for 5 days. Insurance must be on file in the amounts of $100/300/50. Must carry minimum insurance of $750/ 500/10 for all ICC carriers. For additional information go to

Delaware Oversize/Overweight Permit

Florida

Normally permit is valid for 10 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Georgia

Normally permit is valid for 10 days. Liability insurance and other security must be maintained during the existence of the permit. The public liability minimum is $300,000 for each accident and $100,000 for persons injured, total property damage of $50,000. The person receiving the permit promises to hold the Department harmless from such claims and to recompense the Department for damages made by the permitted vehicle or load to a public road. Must carry minimum insurance of $750/500/10 for all ICC carriers. Georgia DOT must be listed as additionally insured on the certificate” Processing the insurance certificate can take 2-4 hours. It is recommended that this is taken care of before ordering truck permits. For additional information go to

Georgia Oversize/Overweight Permit

 

Hawaii

For additional information go to

Oversize/Overweight Permit

Idaho

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

 

Illinois

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Indiana

Normally permit is valid for 14 days. The certificate must be on file in minimum amounts of $25,000/50,000/10,000 for personal liability and property damage. Must carry minimum insurance of $750/500/10 for all ICC carriers. The processing of insurance certificates does take 24 – 72 hours. It is highly recommended that this is taken care of before needing to purchase truck permits. If you have not hauled in the state of Indiana before, then you’ll also have to apply for an Indiana account number. For additional information go to

Indiana Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Iowa

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Kansas

Normally permit is valid for 7 days. For additional information go to

Oversize/Overweight Permit

 

Kentucky

Normally permit is valid for 10 days. For additional information go to

Oversize/Overweight Permit

 

Louisiana

Normally permit is valid for 2 days. “Must have a bond or certificate of insurance on file. $100,000 for one trip or $250,000 for a year. Must carry minimum insurance of $750/500/10 for all ICC carriers.” Processing of insurance is done the same day, usually within 1-2 hours. For additional information go to

Louisiana Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Maine

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

Maryland

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Massachusetts

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

 

Michigan

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Minnesota

Normally permit is valid for 7 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Mississippi

Normally permit is valid for 3 days. “Applicants must file with the Department a bond or public liability insurance policy endorsement of $25,000 as security for any damage to the highway. Must carry minimum insurance of $750/500/10 for all ICC carriers. The state of MS must be listed as a certificate holder.” This process takes up to 24 hours, it is recommended that this is taken care of before purchasing truck permits. For additional information go to

Mississippi Oversize/Overweight Permit

 

Missouri

Normally permit is valid for 5 days. Effective 02/28/2009, no permit will be issued without proof of insurance on file. Must have minimum insurance of $750,000.” This can take up to 4+ hours to process, so it is recommended that this be taken care of before ordering truck permits. The state of Missouri must be named as a certificate holder. For additional information go to

Missouri Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Montana

Normally permit is valid for 3 days. ‘Minimum of $1,000,000 combined single limit bodily injury and property damage liability per occurrence.’ A certificate on file with the state is not required, however, to purchase a truck permit we need to have your insurance information to give to the state over the phone. For additional information go to

Montana Oversize/Overweight Permit

 

Nebraska

Normally permit is valid for 10 days. For additional information go to

Oversize/Overweight Permit

 

Nevada

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

 

Nevada Special

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

Nevada Tridem Axle

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

New Hampshire

Normally permit is valid for 5 days. For additional information go to

Oversize/Overweight Permit

New Jersey

Normally permit is valid for 3 days. For additional information go to

Oversize/Overweight Permit

 

New Mexico

Normally permit is valid for 3 days. ‘A certificate of insurance, reflecting the following minimum coverage should be kept in the vehicle and must be on file with the state. $100,000 automobile bodily injury coverage; $500,000 each person; $100,000 for each accident; automobile property coverage $25,000 each accident. Must carry minimum insurance of $750/ 500/10 for all ICC carriers. Insurance Company must be registered with the New Mexico Corporation Commission.’ The certificate of insurance can be sent in with the application for the truck permit; it is processed immediately and will be kept on file until the insurance expires. For additional information go to

New Mexico Oversize/Overweight Permit

 

New York

A departmental blanket policy provides the state with insurance coverage on each trip permit by payment of the appropriate insurance fee by the permittee.

Public liability insurance coverage may be obtained by a permittee and a certificate of protective liability insurance for permits on state highways. Must be filed with the Highway Permit Agent in the main office which provides liability coverage for the people of the state of New York. This certificate must be filed to obtain a monthly, annual, or blanket permit and may be filed for a trip or building permit.

New York requires a $10,000 – 50,000 bond to be on file for any move if 16′ high, 16′ wide, 250,000 or over before a permit will be issued. All bonds are held for 30 days before another move can be made.

Must carry minimum insurance of $750/500/10 for all ICC carriers. No insurance fee is required if acceptable public liability insurance coverage is on file. The applicant agrees to assume all responsibility and liability for damages to persons or property that may occur during movements of the vehicle through the negligence of himself, his agent, or employees.’

This should be taken care of before ordering permits. The price of the insurance coverage paid for on every single trip is increased if you do not have insurance on file with the state of New York. For additional information go to

Oversize/Overweight Permit

 

North Carolina

Normally permit is valid for 10 days. For additional information go to

New Mexico Oversize/Overweight Permit

North Dakota

Normally permit is valid for 3 days. ‘Insurance certificates must be submitted showing proof of liability and property damage coverage of not less than $300,000. Must have minimum insurance of $750/500/10 for all ICC carriers.’ For additional information go to

North Dakota Oversize/Overweight Permit

 

Ohio

Normally permit is valid for 5 days. ‘A permit will be issued only after the following proof of financial responsibility has been furnished to the Ohio Department of Transportation Central Permit Office. An endorsement or a surety bond in Confirmation will not be acceptable in place of the endorsement. Liability for bodily injury and property damage combined shall not be less than $500,000. Liability for property damage combined shall not be less than $200,000. Tandem trailer combinations – public liability of not less than $500,000 for each person, $2,000,000 for each occurrence for all damages arising from bodily injury, including death, and $1,000,000 for property damage. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ You MUST have your insurance company fill out an OS 32 form and send it to the state of Ohio. This process can take several days and must be done before ordering any truck permits. For additional information go to

Ohio Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Oklahoma

Normally permit is valid for 5 days. For additional information go to

New Mexico Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Oregon

Normally permit is valid for 10 days. ‘Verification of public liability and property damage insurance and or indemnity bond may be required at the discretion and in the amounts determined by the granting authority. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ You’ll need to have this to get your Oregon Carrier File Number (a/k/a OR PUC), but it is a simple process that can be done the same day as ordering your truck permit. To get your PUC# you’ll need to call OR DOT directly and have all your insurance information handy. For additional information go to

Oregon Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

 

Pennsylvania

Normally permit is valid for 5 days. ‘Minimum coverage for motor carriers and escort vehicles is $1,000,000 combined single limits. Commonwealth of Pennsylvania must be added as an additional insured for property damage and personal injury.’ This can take up to 3 days to process; it is recommended that this is taken care of before ordering truck permits. For additional information go to

Pennsylvania Oversize/Overweight Permit

 

Rhode Island

Normally permit is valid for 5 days. ‘In special cases, a surety bond is to be furnished to the Department in place of adequate liability insurance. When there is a possibility that a move may damage highway facilities, the applicant will be required to deposit a certified check or other security in an amount determined by the Department. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ For additional information go to

Rhode Island Oversize/Overweight Permit

 

South Dakota

Normally permit is valid for 3 days. For additional information go to

Oversize/Overweight Permit

 

Tennessee

Normally permit is valid for 6 days. ‘(1) Any person, firm, company, corporation, or other who undertakes the movement of any overweight and/or over dimensional article and/or commodity on the highways of the State of Tennessee shall hold the State of Tennessee, its officers, and employees, harmless from any claims for damages resulting from the exercise of any of the privileges granted under the Special Permits issued for such overweigh and/or over dimensional movement, and to this end, shall carry liability insurance with an Insurer, acceptable to the Commissioner of Transportation, and shall furnish a certificate of insurance to the Commissioner of Transportation, in the amount of not less than three hundred thousand dollars ($300,000) for each claimant injured and one million dollars ($1,000,000) per occurrence.

(2) The certificate of insurance shall provide that the Insurer shall give, to the Department of Transportation of the State of Tennessee, written notice of intention to terminate said required insurance by certified mail, said termination to become effective thirty (30) days after receipt of said notice from the Insurer by the Department of Transportation.’

It is recommended that this is taken care of before ordering truck permits. The process takes at least 24 hours to get the insurance certificate approved by the state. For additional information go to

Tennessee Oversize/Overweight Permit

 

Texas

Normally permit is valid for 5 days. ‘Minimum coverage of $500,000 combined single limit excluding cargo. Must have TX MCR# or bond on file to haul oversize/overweight loads. Loads exempt are manufactured housing, portable buildings, oil well equipment, and unladen lift equipment. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ This process can take up to 3 days to get your insurance approved, please have this taken care of before ordering truck permits. For more information or for forms to be filled out you can go to the TX DOT website, or call them directly at (800) 299-1700. For additional information go to

Texas Oversize/Overweight Permit

 

Utah

Normally permit is valid for 4 days. For additional information go to

Oversize/Overweight Permit

 

Vermont

Normally permit is valid for 10 days. For additional information go to

Oversize/Overweight Permit

 

Virginia

Normally permit is valid for 13 days. For additional information go to

Oversize/Overweight Permit

 

Washington

Normally permit is valid for 3 days. For additional information go to

Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit>Click here

Washington, D.C. Federal District

For additional information go to

Oversize/Overweight Permit

West Virginia

Normally permit is valid for 5,10 days for a mobile home. For additional information go to

Oversize/Overweight Permit

 

Wisconsin

Normally permit is valid for 14 or multi-days. ‘Insurance may be required on file. Limits for loads 12′ wide, 16′ high, or 75′ long and do not exceed 120,000 GVW – $50/100/25. All other loads are $100/300/100 or $600,000 CSL (Combined Single Limits). In addition, $200,000 casualty insurance will be required for loads above 16′ wide or 100′ long, unless $600,000 combined single life coverage is provided. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ This can generally be taken care of on the same day as the truck permit is ordered. For additional information go to

Wisconsin Oversize/Overweight Permit

General Provisions of an Oversize/Overweight Vehicle Permit Click here

Virginia

Normally permit is valid for 13 days. For additional information go to

Oversize/Overweight Permit

Wyoming

For additional information go to

Oversize/Overweight Permit

All other states only require the ‘minimum insurance of $750/500/10 for all ICC carriers.’ They do not need a certificate on file, but proof of insurance must be kept in the cab of the truck. All of the above requirements are subject to change and should be checked with the state before ordering permits. Our helpful and knowledgeable staff will be happy to answer any questions that you might have about insurance requirements for each of the states. We can also provide sample copies of insurance certificates for the various states and many of the forms that the states require.

Insurance Requirement for Canada

Most of the states do not require any more insurance than is required for your ICC, and those states do not require you to have a certificate on file with that state. However, 10 states have strict insurance requirements that must be met before we can purchase an oversize/overweight truck permit. Most of the time it only takes a short amount of time to get the insurance sent to the state and processed so that we can get your truck permit the same day. There are a few states where it takes more than just a certificate of insurance, and it can take several days to get it processed. To expedite getting your truck permits, it is best to have your insurance taken care of before you need to purchase the permits. The following are the states with which you have to have insurance on file and what their requirements are.

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Alberta

British Columbia

Manitoba

New Brunswick

Newfoundland and Labrador

Nova Scotia

Ontario

Prince Edward Island

Quebec

Saskatchewan

Alberta

For additional information go to

Oversize/Overweight Permit

British Columbia

For additional information go to

Oversize/Overweight Permit

Manitoba

For additional information go to

Oversize/Overweight Permit

New Brunswick

Normally permit is valid for 7 days. For additional information go to

Oversize/Overweight Permit

Newfoundland and Labrador

For additional information go to

Oversize/Overweight Permit

Nova Scotia

Normally permit is valid for 7 days. For additional information go to

Oversize/Overweight Permit

Ontario

Normally permit is valid for 4 days. For additional information go to

Oversize/Overweight Permit

Prince Edward Island

For additional information go to

Oversize/Overweight Permit

Quebec

Normally permit is valid for 8 days. For additional information go to

Oversize/Overweight Permit

Saskatchewan

For additional information go to

Oversize/Overweight Permit

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