Due to the seemingly complex nature of commercial truck insurance, there are many myths and misconceptions being passed around about the different options and coverage. One of the most misunderstood aspects of commercial truck insurance is bobtail insurance. Some of the conversations surrounding bobtail insurance may contain truthful information, but some of those conversations do not contain true statements.
We understand it can be very confusing and frustrating to determine which parts of the conversation may be true. Since one of the main aspects of insurance is to save you money and headaches, falling for a misconception can certainly be costly. In order to save you time, money, and frustrations, we want to shed some light on some of the common misconceptions surrounding bobtail insurance.
One of the common misconceptions is that your personal trips cannot be covered by bobtail insurance. Bobtail insurance can cover your personal trips if you do not have a trailer attached to your rig. For example, what if you have a shipment to drop off in South Carolina? Let’s say you go to South Carolina, deliver the shipment, and head home with only your rig and no trailer. On the way home, you decide to stop by a local restaurant and purchase some food.
While you are headed to the restaurant, you hit another vehicle and cause damage to that person’s vehicle. The damages that are caused to the other driver’s vehicle can be covered by your bobtail insurance coverage. Another common misconception about bobtail insurance is that the cost of coverage will be the same in every state.
As with any type of commercial truck insurance coverage, it is always a good idea to do your research before choosing bobtail insurance coverage because the rates are not the same everywhere. One of the ways that insurance companies try to remain competitive is by comparing rates and lowering their rates to attract customers. If you had a good rate on your bobtail insurance coverage a year ago, you may be surprised at the rates you may qualify for next year.
We understand there will always be myths and misconceptions surrounding any type of truck insurance. At J.E.B. Insurance Services, LLC, we want to make sure you receive the best coverage. Contact us today for a free commercial truckers insurance quote. We write bobtail insurance in Florida, Georgia, Texas, Illinois, Iowa, Tennessee, North Carolina, South Carolina & Nebraska.
