Complete vs. Figure 1 Completing the Truck Incomplete Trucks This is a significant distinction for + = commercial trucks. This one factor causes commercial auto insurance carriers to underestimate the true OCN, leading to lower premiums and an incomplete understanding of the risk for the insurance carrier—what + = is known as premium leakage. Incomplete trucks require customization before the can begin their useful life. This customization is specific to the unique needs + = of the business and reflect the specialized applications of the truck, such as within the construction, food transport, utilit, or medical transport industries. Importantl, + = these customized truck bodies can add significant alue to the OCN and will not be captured b the IN. Price Digests • Reducing Commercial Auto Risk Exposure • pricedigests.com • 4