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So what does this mean and what is the difference between bobtail insurance and non-trucking liability insurance?
Bobtail insurance isn’t a cut in your coverage but a way to protect yourself. It can cover both, you and your truck when you are not actually hauling a trailer. Bobtail insurance doesn’t cover you if you’re hauling an empty trailer, regardless if it’s a flatbed, reefer, box/van, or whatever, only when you have no trailer.
Source: www.royaltytruckinsurance.com
So why would you drive your truck around without a trailer? There are several reasons:
- You dropped your load at one dock and now must travel to another location.
- You have completed you run and are now heading home for the weekend.
- You might need to make personal errands (grocery shopping, going to the service station).
Remember bobtail insurance covers you when are not hauling a trailer. If you choose you purchase it, your bobtail insurance is used when you are off the clock. If you are bobtailing on the clock, you are getting paid to run without a trailer and the carrier’s bobtail insurance will cover you in the event of an accident.
Source: www.blogsdir.cms.rrcdn.com
