Primary liability coverage is relatively narrow in scope.  It covers damage done to other people and their property by you while you are driving.  It does not cover you or your rig (you need collision for this; see “physical damage” article).  It does not cover theft or vandalism or a tree falling on your rig (you need comprehensive for this; see “physical damage” article).  It does not cover your cargo (see “cargo insurance” article). Again, it covers damage done to other people and their property by you while you are driving, and nothing else.

Primary trucker’s liability insurance is mandatory under the law in all 50 states; never drive without it.