When trucking companies struggle to build profits, many offer Lease-Purchase programs to company drivers and owner-operators. These programs shift all costs—fuel, maintenance, insurance—to the driver while keeping the company in full control of how the truck is operated. If the driver quits, the truck stays with the company unless it’s fully paid off, which is rare. Company drivers should understand they have little to zero protection if a company files bankruptcy or makes layoffs, often resulting in lost income and forfeited benefits like 401(k) or pension plans.

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