STAR Mutual Announces Enhanced Payment Flexibility and Expanded Discounts for MTC and APD Programs

Knoxville, TN — May 14, 2026

STAR Mutual announced significant enhancements to payment options and discount opportunities for insureds participating in Motor Truck Cargo (MTC) and Auto Physical Damage (APD) administered through the Reliable Transportation Association (RTA) and backed by Lloyd’s of London.

These enhancements respond directly to the financial pressures facing commercial transportation operators in the current environment. After a prolonged freight market downturn, motor carriers and owner-operators are navigating a difficult combination of elevated diesel costs, compressed operating margins, rising equipment and financing expenses, and an uneven freight demand recovery. 

For small and mid-sized fleets (the operators that make up the vast majority of the U.S. trucking industry) managing cash flow while maintaining proper coverage has become one of the defining operational challenges of 2026. 

These program updates are designed to address that reality directly and provide commercial transportation operators with greater financial flexibility, improved access to premium savings, and stronger program responsiveness during a period of sustained cost pressure.

Expanded APD and MTC Payment Plan Options 

The APD and MTC programs now offer four distinct billing structures designed to accommodate varying operational and cash flow needs:

1. Full Pay Plan with 10% Premium Discount

2. 2-Payment Plan with 5% Premium Discount

3. 5-Payment Plan

4. 10-Payment Plan

The Full Pay plan offers the largest discount at 10% off total premium. The new 2-payment plan combines a faster payoff schedule with a 5% premium discount. Lower down payment requirements on the 10- and 5-payment plans mean more working capital stays available for transportation operators—with all payment plans reflecting direct feedback from the market.

Expanded APD and MTC Discount Opportunities

The MTC and APD programs include several discount opportunities available to qualifying insureds:

• Out-of-Service (OOS) Performance Discount
  Available for fleets demonstrating favorable out-of-service inspection performance and strong safety compliance.

• Business Experience Discount
  Recognizes established operators with proven operating history and experience.

• Vehicle Class 1–6 Rate Reduction
  Applied to eligible light- and medium-duty commercial vehicles.

• No Violations/Accidents Discount
  Additional savings available for clean driving and operational records.

• Enhanced Towing Sublimit
  Providing expanded protection for roadside assistance and towing-related expenses.

Fuel, financing, and freight rates have all moved against transportation operators in recent months. Expanding payment flexibility and rewarding safety performance are concrete steps toward helping insureds protect their margins while maintaining the coverage their operations depend on.

The improvements apply to MTC and APD programs through the Reliable Transportation Association, and are available immediately through STAR Mutual-appointed agents. 

How to Access the Programs

Appointed agents now have full access to program discounts through the RTA portal using their existing RTA credentials.

Commercial insurance agents interested in partnering with STAR Mutual RRG can request an appointment to gain access to these programs and commercial auto liability coverage through our website.

Contact Information:

STAR Mutual RRG
Email: info@starrrg.com
Phone: (855) 569-7827