Bobtail insurance is an endorsement and optional coverage that can be added to your non trucking liability insurance. The secondary insurance coverage protects a bobtail driver if a lawsuit is brought against him or her for bodily injury resulting from an accident. A lawsuit could be brought against a driver who is non insured, or it could be brought against a driver who has a commercial insurance policy. For example, a passenger could sue if they are injured while a passenger in the vehicle. If the vehicle doesn’t have commercial coverage, the driver can be sued for bodily injury and property damage, which could result in a lawsuit.
If you haul freight for a living, chances are good that you already know that you need bobtail insurance. But what is bobtail insurance and why do you need bobtail insurance? We’ll answer these questions and more as we explore the vital insurance that protects truckers from liability while carrying freight.
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Bobtail insurance is insurance that covers a driver if he or she is physically unable to drive. Having bobtail insurance protects you from being uninsured if you get in a car accident. It also protects you from liability in serious accidents. Drivers who are disabled, injured, or elderly and can no longer drive themselves should look into getting bobtail insurance. Unfortunately, many drivers are surprised when they find out how much car insurance costs after being approved for bobtail insurance.
Perhaps you’ve had the unfortunate luck of having your car insurance cancelled. It can be a stressful experience, and can even be life-threatening if you need to be transported due to an accident. Fortunately, there’s one possible solution: bobtail insurance.
Non trucking liability
Non-trucking liability covers liability claims when a motor vehicle is parked away from an interstate, on the road, or from a rail. According to Business Insurance, non-trucking liability provides coverage for vehicles that are parked, but “not moving, on a public highway, on a public road or on a public place that is not a highway.” In other words, these coverages apply to vehicles that are parked on or near a roadway, but not in the roadway itself.
Liability insurance is generally one of the few kinds of insurance that trucking companies must provide to drivers, but other types of insurance can also be beneficial. That’s why it’s important to know all the different kinds of insurance that can protect you on the road as an owner-operator. Known as non- Trucking liability, these types of insurance can include things like collision insurance, cargo insurance, uninsured motorist coverage, and roadside assistance.
Commercial truck insurance
Getting commercial truck insurance for your semi tractor-trailer or 18-wheeler doesn’t have to be a complicated process. Most of these policies come from one of the three big insurance companies: Progressive, State Farm, or Allstate. You’ll find plenty of companies offering specialized truck insurance, but these three have the widest coverage ranges.
Commercial truck insurance is important for companies that transport goods from one place to another. If you are a truck owner, you probably have some concerns about purchasing commercial auto insurance. However, the truth is, commercial truck insurance is actually very affordable, and buying commercial truck insurance can lower your financial risk.
Type of insurance coverage
It’s estimated that at any given moment there are about 13 million miles of commercial trucks on the road. And commercial trucks are big, just like cars and trucks. They can cause a lot of damage when they collide with other vehicles, which is why having commercial truck insurance coverage is important. Whether you need to have liability, comprehensive, collision, medical payment, uninsured motorist, or any other kind of coverage depends on the kind of truck you own. But here are some general guidelines:
Commercial truck insurance coverage is a critical part of commercial truck owner/driver and fleet operations—but coverage isn’t one-size-fits-all. It’s critical to understand exactly what type of coverage you need.
In conclusion, Bobtail insurance is an option for some truckers. A bobtail policy covers a trailer while the driver is away—such as during repairs or rest breaks — and does not provide coverage for the actual truck.
Bobtail insurance only covers the driver of the bobtail. Non trucking insurance is standard insurance that covers your vehicle and liability.