Warranties vs. Truck Insurance: Why You Need Both to Protect Your Trucks

In the trucking business, protecting your equipment and operations is non-negotiable. At Logrock, we specialize in truck insurance that shields you from external risks like accidents, lawsuits, and cargo damage. Now, through our partnership with America’s Trucking Warranty, we’re bringing you even stronger protection — inside and out.

If you’ve ever faced a breakdown or accident on the road, you already know: one without the other just isn’t enough.

Truck Warranties vs. Truck Insurance: What’s the Difference?

Let’s break it down simply:

• A semi-truck warranty covers mechanical failures — think engine breakdowns, transmission problems, or emissions system failures.
• Truck insurance protects you from external risks like collisions, cargo loss, and liability claims.

They complement each other. You need both to avoid major financial risks.

What Does a Semi-Truck Warranty Cover?

Offered by manufacturers or providers like America’s Trucking Warranty, a semi-truck warranty helps you avoid massive repair bills for:

• Engine components (e.g. pistons, crankshaft, cylinder heads)
• Transmission and drivetrain systems
• Emission control systems (DPF, SCR)
• Turbochargers and electronics (depending on the plan)

Common warranty types include:

• Factory Warranty – Included with new trucks
• Extended Warranty – Extra protection beyond the original term
• Powertrain Warranty – Covers critical systems like the engine and transmission
• Comprehensive (Bumper-to-Bumper) – Most complete, excluding wear-and-tear items

💡 A major engine repair can easily cost $20,000+. A warranty helps you avoid that hit to your bottom line.

What Does Truck Insurance Cover?

That’s where Logrock’s commercial truck insurance comes in. We protect you from unpredictable risks that warranties don’t touch:

• Primary Liability – Required by law; covers injuries or damage to others
• Motor Truck Cargo Insurance – Protects the freight you haul
• Physical Damage – Covers your truck in case of accident, fire, or theft
• Bobtail Insurance – Covers you when you’re not hauling a trailer
• Trailer Interchange – Covers borrowed or leased trailers
• General Liability – Covers business-related liabilities off the road

🚨 Without insurance, an accident could cost you hundreds of thousands — or even shut down your operation.

Why One Isn’t Enough: Warranty vs. Insurance

It’s not about choosing one — it’s about combining both.

Feature	Semi-Truck Warranty	Truck Insurance (Logrock)
Covers internal mechanical failure	✅ Yes	❌ No
Covers accident or collision damage	❌ No	✅ Yes
Required by law	❌ No	✅ Yes (liability coverage required)
Payment style	One-time or periodic	Ongoing monthly premiums
Claim process	Through warranty provider	Through insurance provider

How Logrock + America’s Trucking Warranty Help You Win

Our partnership with America’s Trucking Warranty means your fleet is covered in every direction — inside the hood and out on the road.

With Logrock Truck Insurance, you get:

• Instant certificates of insurance
• FMCSA compliance tools
• Affordable plans for owner-operators and fleets
• Expert support and fast claims assistance

With America’s Trucking Warranty, you get:

• Affordable extended warranties
• Class 8 truck coverage
• Reduced downtime and higher resale value
• Support from experienced diesel warranty professionals

Final Thoughts: Protect Your Fleet from Every Angle

Mechanical breakdowns? Covered. Accidents and cargo losses? Covered.
That’s the power of combining truck warranties with commercial truck insurance.

👉 Get a fast quote from Logrock: https://www.logrock.com
🚚 Explore truck warranty plans at America’s Trucking Warranty