Have you been asked for an ACORD 22 Intermodal Interchange Certificate of Insurance? A Certificate of Insurance form is a document that provides information about insurance policies to third parties - but is not an insurance policy.
ACORD 22 Intermodal Interchange Certificate of Insurance
You need different insurance depending on what you are driving. Auto insurance is needed for all vehicles, but car insurance is definitely not enough when it comes to truckers. When you're driving a truck, there is a lot of responsibility on you.
For one, you're doing a lot more driving than the average person. The vehicles is bigger, heavier and ore expensive - and the merchandise or product that you are carrying is often worth hundreds of thousands of dollars.
Because of this, special insurance called intermodal interchange insurance is required. Whether you're run off the road or in a crash, if something gets damaged, you'll need to call your insurance company.
However, it can simplify things a lot if you have a ACORD 22 Intermodal Interchange Certificate of Insurance available in your truck to show the other parties that may have been involved.
Who Needs It
You never know when you'll be asked to show proof of your insurance, and there are a lot of reasons for it. Anyone who is a trucker that is driving containers needs the ACORD 22 Intermodal Interchange Certificate of Insurance form. Even if you are driving locally, the form still needs to be kept in your truck for ease. This is especially important to have if you are not driving locally.
When you're across the country and get in an accident at two in the morning, the Intermodal Interchange Certificate of Insurance can be enough to show your proof of insurance before filing a claim the next day. It is needed by anyone who drives a truck or anyone who owns a company that employs truck drivers and owns the vehicles.
This form used to provide a coverage statement to the Intermodal Association of North America (IANA) when coverage being provided includes the Truckers Uniform Intermodal Interchange Endorsement (Form UIIE-1 or CA-23-17 equivalent). NOTE: Kentucky, Minnesota, North Carolina and Wisconsin require the filing of certificate of insurance forms.
The ACORD 22 Intermodal Interchange Certificate of Insurance has a lot of different lines on the form. The first thing it has is the insurance company's name and contact info, as well as your name and contact info. Information about the truck you are driving should also be present on the form. The insurance company usually fills out the form for you, and they can endorse it so that it is on official letterhead and is more credible. There are spots that talk about the coverage that is available and the percentages that the insurance pays.
While it does not go into details about the specific insurance policy on hand, it should list enough to prove that a policy is in place. What's unique about this form is that it also has a spot for claims that have been made in the past.
When To Use
Truck driving is a serious job, and a lot of people are going to want to be sure that there is insurance being held in case of an accident or an emergency. The company that hires you may ask for your ACORD 22 as proof of your insurance policy. Also, if there is an accident that you are involved in, the other party and the help that arrives are going to need to see proof of insurance.
More On Certs
You can download a blank copy of the form here: ACORD 22 Intermodal Interchange Certificate of Insurance.
ACORD 22 Intermodal Interchange Certificate of Insurance - The Bottom Line
We hope this article on ACORD 22 Intermodal Interchange Certificate of Insurance has been informative. Since commercial truck insurance is different than car insurance, the ACORD 22 provides proof in an easy to understand way that shows others there is liability and regular coverage on the truck and containers being hauled.
Find other ACORD forms here - ACORD 20 Certificate of Aviation Liability Insurance, ACORD 21 Certificate of Aircraft Insurance, ACORD 22 Intermodal Interchange Certificate of Insurance, ACORD 23 Vehicle or Equipment Certificate of Insurance, ACORD 24 Certificate of Property Insurance, ACORD 25 Certificate of Liability Insurance, ACORD 27 Evidence of Personal Property Insurance, ACORD 28 Evidence of Commercial Property Insurance, ACORD 125 Commercial Insurance Application, ACORD 126 Commercial General Liability Section, ACORD 130 Workers Compensation Application, ACORD 140 Property Section