If you’re operating a truck with the help of someone else’s trucking authority, the insurance that your motor carrier liability provides only helps if you have a trailer in tow or under dispatch. Once you are no longer under dispatch, liability coverage no longer applies. Bobtail insurance bridges this coverage gap. For example, you drop the trailer at one location and while bobtailing to pick up another unit you hit another vehicle. Your liability for bodily injury and property damage covered under the bobtail insurance policy.
Non-Trucking Liability insurance also provides the trucker under lease with a motor carrier with liability coverage. However, coverage is afforded only during personal use and not during work when no power unit is attached to the tractor. Therefore, non-trucking liability insurance provides less coverage and is less expensive than bobtail insurance. For example, you get into an accident with your truck while on the way home after your work assignments are completed. Your non-trucking insurance policy will cover your liability for loss.
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