Non-Trucking Liability Insurance is just that, when you are using the truck for personal (non-trucking industry related) use. When you are using your truck for personal use, is very similar to bobtail insurance. This refers to the grocery store, hauling furniture for a friend, or even going out to eat.
The concept or definition of personal has been argued clarified and muddled by the court system for many years. Basically it means when you are completely off-the-clock. However, if you made your last drop and swing by the local Piggly Wiggly on the way home you should still be covered by your carrier (they owe you return trip to your home). Also work related maintenance runs should be covered, even if they are done on your day off.
Source: www.flickr.com
Bobtail Insurance Companies
When getting the coverage you need, to include bobtail insurance, make sure you have a copy of policy used by your carrier. Thoroughly check to see what is actually covered on it first. Then it is recommended to draft up a list of issues that could happen when driving your vehicle. These both helps you to understand what you need and better ensure you are covered, both by your insurance and the company you drive for.
