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Working as an independent owneroperator in the commercial truck industry can be a great way to earn a living. You never have to feel tied down to one particular company. Not as many company mandated driver metrics to worry about. You always have a feeling of being on the move and going where the wind takes you.

Certain sacrifices have to be made for that sort of freedom Chase Winovich Jersey , though. You will never have the sense of security that comes with being a full time driver for a large-scale motor carrier.

That security comes in many forms. First and foremost, you know that you have steady work and a paycheck always on the horizon. Another important piece of that sense of security is knowing that you are being provided with adequate truck insurance coverage. Most drivers at large freight companies don't have to worry about insurance because their respective employers take care of truck insurance coverage needs.

As an independent, you may have to see to it yourself that you have the level of insurance coverage that both you desire and the law requires. Motor carriers will provide you with the minimal liability coverage that the law requires (while on dispatch only) but the rest is up to you.

For example, after the load is dropped off Joejuan Williams Jersey , and the truck is empty, often times the company's insurance coverage for an independent driver ends. Even though the truck insurance coverage is gone, the driver still needs to either take the empty truck back or drive home. At this point in time it is the driver's responsibility to have the appropriate insurance coverage, as no one is looking out for the driver at this moment. He or she will be held personally liable to pay for damages in the event of an accident. Trust me N'Keal Harry Jersey , truck accidents are incredibly expensive, and proper commercial truck insurance is critical.

Below are the more common types of truck insurance specially designed for independent owneroperators working for motor carriers. Take a moment to review these coverage options and decide if any is right for you.

Physical Damage Coverage

Physical damage coverage provides you with the security that if your truck is damaged, stolen, or vandalized Jarrett Stidham Jersey , you will not be burdened with the cost of repair or replacement. No matter what happens, or whose fault it is, physical damage coverage will make sure your property is repaired or replaced. Motor carriers generally won't offer this coverage and you are therefore responsible for protecting your own property.

Non-Trucking Liability

You want to protect your assets even when you're not out on dispatch, right? This is an important policy to consider for staying insured when off the job. Whether you are using your truck for personal use or on a return trip Sony Michel Jersey , you need to be sure that you still have the coverage you need.

What Else To Consider

Be aware of local regulations as well as cargo-specific regulations. Different states may dictate different levels of coverage. Also, the nature of your cargo (hazardous waste, for example) may also require separate coverage.
Transplant Diagnostic Market Is Expected To Witness Significant Growth By 2024 Health Articles | August 4, 2016

New Market Research Reports Title “Transplant Diagnostic Market Analysis Size and Segment Forecasts to 2024” Has Been Added to Grand View Research Report Database



The global聽Transplant Diagnostic Market聽is expected to reach USD 895.2 million by 2024 Stephon Gilmore Jersey , according to a new report by Grand View Research Inc. The rising demand for organ transplantation is primarily fueling the demand for transplant diagnostics.


Constant healthcare research and development efforts are resulting in the introduction of technically advanced treatments, such as stem cell therapy and organ transplants. As a result, the adoption of these highly-advanced organ transplantation techniques is creating the demand for transplant diagnostics as they reduce the risk of infections and minimize the chances of an immune response through pre-operative assessments including histocompatibility tests, such as Human Leukocyte Antigen (HLA) typing Tom Brady Jersey , which determines donor-receiver organ or tissue compatibility prior to organ transplants.


In addition, pertinent organizations are supporting research and development initiatives in the field of organ transplant through grants and funding. As a result, innovative and advanced diagnostic tools are frequently entering into the market. On the other hand, high cost of the diagnostic tests is one of the major factors hindering the growth of the market.


Geographically Julian Edelman Jersey , the market has been segmented into North America, Europe, Asia Pacific, Latin America Cheap New England Patriots Hats , and Middle East and Africa (MEA). North America and Europe together accounted for the largest market share in 2015. Developed economies and well-established healthcare infrastructure coupled with the presence of a highly developed research infrastructure are accelerating the adoption of organ and tissue transplant therapies in Europe and North America. As a consequence, the demand for transplant diagnostics is high in North America and Europe.聽


Wide adoption of HLA typing owing to its ability to determine organ compatibility between the donor and the receiver preceding organ transplants and to predict potential perioperative immunological complications is driving the growth of the molecular assay market in North America and Europe.聽


Asia Pacific is expected to show the fastest growth rate during the forecast period owing to the booming medical tourism in countries, such as India. Availability of advanced healthcare infrastructure and skilled professionals at alower costare anticipated to attract patients worldwide to this region for transplant procedures.聽


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