Has your agent given you different carrier options? Why? When was your last review? You can’t know if you have the best policy until you take 30 minutes to make absolutely sure. An auto accident is the highest risk of any loss you can incur. It is very common for the person who caused your accident to have little coverage and little money. If your vehicle or cargo is damaged you may find that a large bill exists that you will end up paying yourself. The same goes for injuries. This is only one of many reasons for insurance. The complicated nature of commercial auto insurance requires a knowledgeable agent.