Insurance of truck and cargo


It is imperative that trucks and cargo should be insured regardless of the distance of the trip. But some insurance agents say that dilapidated trucks are not qualified to be insured so what happens is that the cargo are only the one with insurance. I think that is illegal for the truck to run without any valid insurance.


I wonder why insurance companies would accept the insurance of the cargo that is to be carried by a truck with no insurance. Maybe there is something that I miss in this topic since I am not well-versed with insurance. My point is if the truck is dilapidated then the chances of an accident is greater than a truck with insurance (since the insurance company will not insure a dilapidated truck).