Georgia Adjuster Practice Test

Which of the following is NOT a coverage of the Truckers form?

1. Cargo Coverage

2. General Liability

3. Personal Injury Coverage

4. Medical Payments

The correct answer is: Medical Payments

The Truckers form is a specialized insurance policy designed to cover the unique risks associated with the trucking industry. It typically includes several types of coverage relevant to trucking operations. Cargo coverage is included to protect the goods being transported by the trucker, which is a crucial aspect of their business. General liability coverage is also part of the Truckers form, as it protects against claims related to bodily injury or property damage that might occur during the course of the trucking operation. Personal injury coverage, often referring to coverage that protects against non-physical injuries (such as slander or false arrest), can also be relevant in the context of managing claims related to the operations of a trucking business. Medical payments coverage, on the other hand, while commonly found in many personal auto insurance policies, is not a typical coverage offered by the Truckers form. This type of coverage is usually more pertinent to personal vehicles rather than commercial trucking operations. Therefore, it is not included in the standard Truckers form, making it the correct answer to the question.