Do you drive your semi-truck with no trailer attached to the back? If you answered “yes”, you will need to have bobtail insurance. What does bobtail insurance pay for? Bobtail insurance will cover any damages that occur during the time the trailer is not attached to the truck. If you have to drop off a load in North Carolina and pick up another load in South Carolina, the bobtail insurance coverage you have will provide you with the protection you need between those two stops.
Unfortunately, there are some myths and misconceptions floating around about bobtail insurance because not everyone understands that this type of insurance will cover and what it will not cover. Since there is so much confusion surrounding bobtail insurance, there is no surprise that it has become difficult for some to know what is true and what is not.
One of the common misconceptions about bobtail insurance is that this type of insurance can be compared to non-trucking liability. However, bobtail insurance and non-trucking liability are not the same. When you have non-trucking liability coverage, you will have protection when a tractor is operated and it is not on dispatch; it will not matter if you have a trailer on the truck.
For instance, if you are not currently working but you need to transport your construction equipment to a repair shop, the non-trucking liability coverage you have will give you the protection you need. If you were transporting the same equipment with only bobtail insurance coverage, you would only be protected if you did not have a trailer.
Bobtail insurance will cover any trip you take that is not work-related, but you cannot have the trailer attached. If you accidentally hit another vehicle while you are taking your personal trip, the bobtail insurance will provide liability, but there must not be a trailer attached. It is important to know that bobtail insurance will generally cover the damage that was left on the other driver’s vehicle.
It is important to purchase the proper insurance for your personal use and for business use. Not every insurance coverage is the same and it is important that you find the right insurance for your needs. Contact us today for more information on bobtail insurance and what having this type of insurance will mean for your personal and business use. We are licensed to write Bobtail and all other Truck Insurance in Florida, Georgia, Texas, Tennessee, South Carolina, North Carolina, Illinois, Nebraska and Iowa.