Many truckers have bobtail insurance and others only think they have this type of insurance. Bobtail insurance coverage provides a different form of auto liability coverage. An owner-operator will be leased to a motor carrier, and this will require a contract that has to be executed. Agreeing to this contract will mean both sides are agreeing to and committing to a relationship.
The driver will still be given the primary liability coverage as long as he or she is still under dispatch. Bobtail insurance provides the driver with coverage when there is no trailer attached to the track. When will your truck be properly covered by a bobtail insurance policy? Here are a few examples of when the truck you are driving will receive coverage under a bobtail insurance policy:
- You are driving your truck to be repaired or to receive maintenance
- You are driving the truck to and from work
- You have left your last terminal and you are headed home
If you are a driver who pulls trailers while you are not under dispatch, there is a good chance you do not have the bobtail insurance coverage you may think you have. You may have a non-trucking liability insurancepolicy, and this type of policy has often been confused with a Bobtail Insurance policy. Non-trucking liability insurance provides protection to the owner-operators who are driving while they are not under dispatch.
If you are pulling a trailer that is empty, it can provide a great number of risks. Drivers who have experience are familiar with these risks and they will take the steps to make the right adjustments. It is also important to think about how wind and other factors will impact a trailer that is not carrying anything in it. Another factor that must be taken into consideration is the impact of the truck’s braking system that is designed to work better when a load is being carried.
If you have been wondering what one of the major differences is when it comes to bobtail insurance and non-trucking liability insurance, that difference is the trailer. You will need to have the liability coverage you need while you are carrying a trailer. On the other hand, non-trucking liability insurance will provide you with coverage while a trailer is attached and you are not under dispatch.
We know how confusing insurance policies and terms can be, but you do not have to figure out everything alone. If you would like more information on bobtail insurance and other types of insurance, please do not hesitate to reach out to us today.