Why do most insurance companies object to taking an occasional passenger in my truck?
Unless your FMCSA authority allows you to haul paying passengers, you have no legal authority to take riders. The only way someone riding in your truck would be acceptable to most insurance companies is if they are an employee of yours. Otherwise they are a member of the public with no control over your truck. If they are injured in a crash that is your fault, they can sue you. Since you exceeded your authority by giving them a ride, your company can’t defend you and the settlement is likely to be high.
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