The commercial insurance is bit different than personal We have fleet insurance which all 10 trucks under same company account Yes we will have rate increase next year but since it's cause by weather so the rate increase is not as high as other effect
But I have to pay $7500 dedactable in total (truck $2500 trailer $2500 cargo $2500) And the worst part is more than one month down time Which will cost me at least $10000