Coverage
Commercial Auto Personal Injury Protection (PIP)
Personal Injury Protection (PIP) is a commercial auto coverage that addresses medical expenses, income replacement, and related costs for the driver of a covered commercial vehicle, regardless of who was at fault. Available in states where PIP is offered under the commercial auto program.
states
classes
reinsurers
online
states
classes
reinsurers
online
Auto hauler. Owner-operator.
AZ
$12,867
Refrigerated goods hauling. Owner-operator.
CA
$10,390
Dirt, sand & gravel and refuse hauling, new venture. 1-5 vehicles.
FL
$14,095
Dry van / flatbed / LTL. Owner-operator.
GA
$8,109
Dry van / flatbed / LTL, new venture. 5-10 vehicles.
IL
$9,359
Refrigerated goods hauling, renewal, retained account. Owner-operator.
IN
$8,816
Dirt, sand & gravel and refuse hauling, $1,500,000 liability limits. Owner-operator.
NJ
$12,916
Dirt, sand & gravel and refuse hauling, new venture. 1-5 vehicles.
TX
$12,098
Dirt, sand & gravel, large fleet. 10+ vehicles.
TX
$11,829
Mixed fleet operations, large fleet, new venture. 10+ vehicles.
WA
$10,318
Reviewed by STAR Mutual RRG.
What Does Commercial Auto PIP Cover?
Commercial auto PIP addresses medical treatment, income replacement, and related expenses of the driver of a covered commercial vehicle following a qualifying incident, regardless of who was at fault. Coverage scope and limits vary by state.
Medical Expenses—hospital care, physician fees, surgery, diagnostic services, and prescription medication; benefits available regardless of how the incident occurred.
Lost Wages—income replacement benefits up to the policy limit when a covered driver requires time away from work.
Rehabilitation—physical therapy, occupational therapy, and rehabilitative services beyond initial medical care.
Essential Services—assistance with everyday tasks during recovery; coverage and scope vary by state and policy terms.
Final Expense Coverage—a defined amount available in the most serious circumstances; subject to policy limits and state-specific terms.
Fast to place. Available without waiting for fault to be determined. Addresses the driver, not just the business.
Who Is Commercial Auto PIP Coverage For?
Commercial auto PIP is available to transportation businesses and commercial vehicle operators in states where the program is offered.
Owner-Operators
Coverage is available without waiting to determine fault—addressing medical expenses and income replacement regardless of who was at fault. Available for new and established owner-operators across a range of operations including general freight, hotshot, and local delivery.
Motor Carriers
Commercial auto PIP can be added to a primary auto liability program where state availability and the nature of the operation make it relevant. Coverage is available at every stage—from new authority through established operations.
Trucking Companies
Trucking companies managing multiple drivers and vehicles benefit from PIP coverage for commercial trucks across the fleet—structured around the nature of each operation and the states in which it operates.
Local and Service Businesses
Personal injury protection insurance coverage is not limited to trucking. In states where PIP is available under the commercial auto program, contractors, landscapers, delivery services, and other businesses whose employees drive as part of their work may carry PIP coverage as part of their operating structure.
Owner-Operators
Coverage is available without waiting to determine fault—addressing medical expenses and income replacement regardless of who was at fault. Available for new and established owner-operators across a range of operations including general freight, hotshot, and local delivery.
Motor Carriers
Commercial auto PIP can be added to a primary auto liability program where state availability and the nature of the operation make it relevant. Coverage is available at every stage—from new authority through established operations.
Trucking Companies
Trucking companies managing multiple drivers and vehicles benefit from PIP coverage for commercial trucks across the fleet—structured around the nature of each operation and the states in which it operates.
Local and Service Businesses
Personal injury protection insurance coverage is not limited to trucking. In states where PIP is available under the commercial auto program, contractors, landscapers, delivery services, and other businesses whose employees drive as part of their work may carry PIP coverage as part of their operating structure.
PIP Coverage for Different Commercial Vehicles
Commercial auto PIP is available for vehicles operating under the commercial auto program in states where PIP is offered. Business Auto is available in select states. An appointed agent can confirm availability for a specific operation and state.
Trucking Vehicles
Available for for for-hire trucking, freight delivery, and commercial hauling operating medium and heavy-duty vehicles.
Semi Truck / Tractor—Class 7 and Class 8 power units, long-haul and regional freight
Dry Van—enclosed trailer for general freight transport
Flatbed—oversized loads, equipment, and construction materials
Reefer (Refrigerated)—food, pharmaceutical, and perishable goods transport
Car Hauler—vehicle shippers and dealership logistics
Dump Truck—construction, excavation, and aggregate hauling
Waste Hauler—debris removal and waste transport
Hotshot Truck—time-sensitive freight delivery on gooseneck trailers
Expeditor Truck—time-critical freight operations
Sprinter Van—last-mile and expeditor operations
Box Truck—local delivery and freight distribution
Cargo Van—last-mile delivery and courier operations
Pickup Truck (commercial use)—contractor and service vehicles used in for-hire operations
Tow Truck—recovery and roadside assistance
Business Auto Vehicles
Commercial Class 1–6 vehicles used by contractors, service professionals, and local delivery operations.
Box Truck (light/medium duty)
Pickup Truck—commercial use by service and trades businesses
Cargo Van—local service operations and delivery
Service Van / Utility Van—maintenance and service businesses
Sprinter Van—local delivery and service operations
Flatbed (light/medium duty)—light commercial hauling
Mini-Fleet Vehicles—service cars and small vans used in business operations
Delivery Vans—local and regional delivery operations
Passenger Vehicles (non-for-hire)—vehicles used for business purposes by contractors and service businesses
Trucking Vehicles
Available for for for-hire trucking, freight delivery, and commercial hauling operating medium and heavy-duty vehicles.
Semi Truck / Tractor—Class 7 and Class 8 power units, long-haul and regional freight
Dry Van—enclosed trailer for general freight transport
Flatbed—oversized loads, equipment, and construction materials
Reefer (Refrigerated)—food, pharmaceutical, and perishable goods transport
Car Hauler—vehicle shippers and dealership logistics
Dump Truck—construction, excavation, and aggregate hauling
Waste Hauler—debris removal and waste transport
Hotshot Truck—time-sensitive freight delivery on gooseneck trailers
Expeditor Truck—time-critical freight operations
Sprinter Van—last-mile and expeditor operations
Box Truck—local delivery and freight distribution
Cargo Van—last-mile delivery and courier operations
Pickup Truck (commercial use)—contractor and service vehicles used in for-hire operations
Tow Truck—recovery and roadside assistance
Business Auto Vehicles
Commercial Class 1–6 vehicles used by contractors, service professionals, and local delivery operations.
Box Truck (light/medium duty)
Pickup Truck—commercial use by service and trades businesses
Cargo Van—local service operations and delivery
Service Van / Utility Van—maintenance and service businesses
Sprinter Van—local delivery and service operations
Flatbed (light/medium duty)—light commercial hauling
Mini-Fleet Vehicles—service cars and small vans used in business operations
Delivery Vans—local and regional delivery operations
Passenger Vehicles (non-for-hire)—vehicles used for business purposes by contractors and service businesses
Commercial Auto PIP State Availability
PIP availability varies significantly by state. In no-fault states, commercial auto policies typically include PIP as a standard component—benefits are available through the operator’s own policy regardless of who was at fault. In other states, PIP is optional or not available for commercial vehicles.
Commercial auto PIP is available through the program in states where it is required or permitted under the commercial auto program. In mandatory no-fault states—including Florida, New Jersey, Pennsylvania, Kansas, Minnesota, North Dakota, and Utah—PIP is typically a standard component of the commercial auto policy. In other states where PIP is permitted, it may be added as an optional coverage. An appointed agent can confirm PIP availability and structure for a specific state and operation.
Explore States We Cover
Why PIP Matters for Trucking Operations
Commercial auto liability and commercial auto PIP address two different exposures. Liability addresses the operation’s responsibility when a third party is involved. PIP is available when the driver needs it: medical expenses, income replacement, and rehabilitation, regardless of who was at fault. For owner-operators and motor carriers, that distinction matters. A liability policy addresses the business’s responsibility to others. PIP addresses the operator’s own expenses.
Income replacement—benefits available without waiting for fault to be determined or third-party recovery to be pursued.
Medical expenses—treatment costs addressed regardless of who was at fault.
Rehabilitation support—physical therapy and rehabilitative treatment beyond initial medical care.
No-fault states—PIP is part of the standard commercial auto policy structure in Florida, New Jersey, Pennsylvania, Kansas, and other states where it is available.
For Agents Who Write Transportation
A clear appetite answer on every submission. A program built to grow with the book, not complicate it.
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Ready to Get Insurance with STAR Mutual?
Same-day eligibility. Fast filings. A rate that reflects the operator’s own record. STAR Mutual is built for safety-first operators. For the agents who place them, it’s a program that holds at renewal. Long-term relationships start with the right appointment.
Commercial Auto PIP Insurance Cost Factors
The cost of commercial auto PIP is determined by the specific profile of each operation. Several factors influence the final rate:
State
Type of operation
Number of vehicles and drivers
Driving records of scheduled operators
Coverage limits selected
Operating radius
An appointed agent can confirm a rate for a specific operation in a specific state.
Complete Your Commercial Auto Coverage
Frequently Asked Questions about Commercial Auto Personal Injury Protection
What Is commercial auto personal injury protection?
Commercial auto PIP addresses medical expenses, income replacement, and related costs for the driver of a covered commercial vehicle following a qualifying incident—regardless of who was at fault. It is distinct from commercial auto liability insurance, which addresses the insured's responsibility to third parties. Where liability addresses the business's responsibility to others, PIP addresses the person behind the wheel.
Does PIP cover truck drivers who are independent contractors?
PIP coverage for independent contractors—including owner-operators classified as 1099 workers—varies based on whether the vehicle is scheduled on a commercial auto policy that includes PIP and the state's rules for PIP availability under commercial auto policies. An appointed agent can confirm the coverage structure appropriate for a specific situation.
Is PIP included in a commercial auto policy?
Commercial auto PIP is not automatically included in every commercial auto policy. In states where PIP is required, it is included as a standard component. In other states, it may be added as an optional coverage. An appointed agent can confirm availability for a specific state and operation.
How does no-fault insurance apply to commercial vehicles?
In no-fault states, commercial vehicle operators may carry PIP as part of their commercial auto policy—benefits are drawn from the operator's own policy regardless of who was at fault. Coverage scope and limits vary from personal auto no-fault insurance. An appointed agent can confirm availability for a specific state and operation.
Is PIP required for commercial vehicles?
PIP availability varies by state. In mandatory no-fault states, PIP is typically a standard component of the commercial auto policy. In other states it is optional or not available. An appointed agent can confirm availability for a specific state and operation.
What Does Commercial Auto PIP Cover?
Commercial auto PIP addresses medical treatment, income replacement, and related expenses of the driver of a covered commercial vehicle following a qualifying incident, regardless of who was at fault. Coverage scope and limits vary by state.
Medical Expenses—hospital care, physician fees, surgery, diagnostic services, and prescription medication; benefits available regardless of how the incident occurred.
Lost Wages—income replacement benefits up to the policy limit when a covered driver requires time away from work.
Rehabilitation—physical therapy, occupational therapy, and rehabilitative services beyond initial medical care.
Essential Services—assistance with everyday tasks during recovery; coverage and scope vary by state and policy terms.
Final Expense Coverage—a defined amount available in the most serious circumstances; subject to policy limits and state-specific terms.
Fast to place. Available without waiting for fault to be determined. Addresses the driver, not just the business.
Who Is Commercial Auto PIP Coverage For?
Commercial auto PIP is available to transportation businesses and commercial vehicle operators in states where the program is offered.
Owner-Operators
Coverage is available without waiting to determine fault—addressing medical expenses and income replacement regardless of who was at fault. Available for new and established owner-operators across a range of operations including general freight, hotshot, and local delivery.
Motor Carriers
Commercial auto PIP can be added to a primary auto liability program where state availability and the nature of the operation make it relevant. Coverage is available at every stage—from new authority through established operations.
Trucking Companies
Trucking companies managing multiple drivers and vehicles benefit from PIP coverage for commercial trucks across the fleet—structured around the nature of each operation and the states in which it operates.
Local and Service Businesses
Personal injury protection insurance coverage is not limited to trucking. In states where PIP is available under the commercial auto program, contractors, landscapers, delivery services, and other businesses whose employees drive as part of their work may carry PIP coverage as part of their operating structure.
PIP Coverage for Different Commercial Vehicles
Commercial auto PIP is available for vehicles operating under the commercial auto program in states where PIP is offered. Business Auto is available in select states. An appointed agent can confirm availability for a specific operation and state.
Trucking Vehicles
Available for for for-hire trucking, freight delivery, and commercial hauling operating medium and heavy-duty vehicles.
Semi Truck / Tractor—Class 7 and Class 8 power units, long-haul and regional freight
Dry Van—enclosed trailer for general freight transport
Flatbed—oversized loads, equipment, and construction materials
Reefer (Refrigerated)—food, pharmaceutical, and perishable goods transport
Car Hauler—vehicle shippers and dealership logistics
Dump Truck—construction, excavation, and aggregate hauling
Waste Hauler—debris removal and waste transport
Hotshot Truck—time-sensitive freight delivery on gooseneck trailers
Expeditor Truck—time-critical freight operations
Sprinter Van—last-mile and expeditor operations
Box Truck—local delivery and freight distribution
Cargo Van—last-mile delivery and courier operations
Pickup Truck (commercial use)—contractor and service vehicles used in for-hire operations
Tow Truck—recovery and roadside assistance
Business Auto Vehicles
Commercial Class 1–6 vehicles used by contractors, service professionals, and local delivery operations.
Box Truck (light/medium duty)
Pickup Truck—commercial use by service and trades businesses
Cargo Van—local service operations and delivery
Service Van / Utility Van—maintenance and service businesses
Sprinter Van—local delivery and service operations
Flatbed (light/medium duty)—light commercial hauling
Mini-Fleet Vehicles—service cars and small vans used in business operations
Delivery Vans—local and regional delivery operations
Passenger Vehicles (non-for-hire)—vehicles used for business purposes by contractors and service businesses
Commercial Auto PIP State Availability
PIP availability varies significantly by state. In no-fault states, commercial auto policies typically include PIP as a standard component—benefits are available through the operator’s own policy regardless of who was at fault. In other states, PIP is optional or not available for commercial vehicles.
Commercial auto PIP is available through the program in states where it is required or permitted under the commercial auto program. In mandatory no-fault states—including Florida, New Jersey, Pennsylvania, Kansas, Minnesota, North Dakota, and Utah—PIP is typically a standard component of the commercial auto policy. In other states where PIP is permitted, it may be added as an optional coverage. An appointed agent can confirm PIP availability and structure for a specific state and operation.
Explore States We Cover
Why PIP Matters for Trucking Operations
Commercial auto liability and commercial auto PIP address two different exposures. Liability addresses the operation’s responsibility when a third party is involved. PIP is available when the driver needs it: medical expenses, income replacement, and rehabilitation, regardless of who was at fault. For owner-operators and motor carriers, that distinction matters. A liability policy addresses the business’s responsibility to others. PIP addresses the operator’s own expenses.
Income replacement—benefits available without waiting for fault to be determined or third-party recovery to be pursued.
Medical expenses—treatment costs addressed regardless of who was at fault.
Rehabilitation support—physical therapy and rehabilitative treatment beyond initial medical care.
No-fault states—PIP is part of the standard commercial auto policy structure in Florida, New Jersey, Pennsylvania, Kansas, and other states where it is available.
For Agents Who Write Transportation
A clear appetite answer on every submission. A program built to grow with the book, not complicate it.
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Ready to Get Insurance with STAR Mutual?
Same-day eligibility. Fast filings. A rate that reflects the operator’s own record. STAR Mutual is built for safety-first operators. For the agents who place them, it’s a program that holds at renewal. Long-term relationships start with the right appointment.
Commercial Auto PIP Insurance Cost Factors
The cost of commercial auto PIP is determined by the specific profile of each operation. Several factors influence the final rate:
State
Type of operation
Number of vehicles and drivers
Driving records of scheduled operators
Coverage limits selected
Operating radius
An appointed agent can confirm a rate for a specific operation in a specific state.
Complete Your Commercial Auto Coverage
Frequently Asked Questions about Commercial Auto Personal Injury Protection
What Is commercial auto personal injury protection?
Commercial auto PIP addresses medical expenses, income replacement, and related costs for the driver of a covered commercial vehicle following a qualifying incident—regardless of who was at fault. It is distinct from commercial auto liability insurance, which addresses the insured's responsibility to third parties. Where liability addresses the business's responsibility to others, PIP addresses the person behind the wheel.
Does PIP cover truck drivers who are independent contractors?
PIP coverage for independent contractors—including owner-operators classified as 1099 workers—varies based on whether the vehicle is scheduled on a commercial auto policy that includes PIP and the state's rules for PIP availability under commercial auto policies. An appointed agent can confirm the coverage structure appropriate for a specific situation.
Is PIP included in a commercial auto policy?
Commercial auto PIP is not automatically included in every commercial auto policy. In states where PIP is required, it is included as a standard component. In other states, it may be added as an optional coverage. An appointed agent can confirm availability for a specific state and operation.
How does no-fault insurance apply to commercial vehicles?
In no-fault states, commercial vehicle operators may carry PIP as part of their commercial auto policy—benefits are drawn from the operator's own policy regardless of who was at fault. Coverage scope and limits vary from personal auto no-fault insurance. An appointed agent can confirm availability for a specific state and operation.
Is PIP required for commercial vehicles?
PIP availability varies by state. In mandatory no-fault states, PIP is typically a standard component of the commercial auto policy. In other states it is optional or not available. An appointed agent can confirm availability for a specific state and operation.
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How to Get Insurance with STAR Mutual RRG
STAR Mutual insurance coverage is available exclusively through appointed independent agents—agents who know the program, understand the appetite, and can give a same-day answer on eligibility.
1
Ask the agent
The operator's current insurance agent can confirm whether they are appointed with STAR Mutual; if not, they can be appointed through the 'Get appointed' form submission.
2
Submit the operation details
The agent gets access to our platform and submits the operation details—vehicle type, trucking class, operating radius, and driver history. Most submissions receive an immediate eligibility response, same day.
3
Get the policy placed
Once eligible, the policy is placed online. COIs are available same day. BMC-91X and state filings are submitted as part of the placement process; the MCS-90 endorsement is issued with the policy.
Get appointed
Agent login
How to Get Insurance with STAR Mutual RRG
STAR Mutual insurance coverage is available exclusively through appointed independent agents—agents who know the program, understand the appetite, and can give a same-day answer on eligibility.
1
Ask the agent
The operator's current insurance agent can confirm whether they are appointed with STAR Mutual; if not, they can be appointed through the 'Get appointed' form submission.
2
Submit the operation details
The agent gets access to our platform and submits the operation details—vehicle type, trucking class, operating radius, and driver history. Most submissions receive an immediate eligibility response, same day.
3
Get the policy placed
Once eligible, the policy is placed online. COIs are available same day. BMC-91X and state filings are submitted as part of the placement process; the MCS-90 endorsement is issued with the policy.
Get appointed
Agent login
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STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
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