Understanding Non-Trucking Liability Insurance
If you operate a commercial truck, you are probably aware of the importance of having insurance. However, you may not be aware that there are different types of insurance policies available. One of those policies is non-trucking liability insurance.
Non-trucking liability insurance is a type of insurance that provides coverage for commercial truck drivers while they are using their truck for non-business-related activities. This means that if you are driving your truck for personal reasons, such as running errands or visiting family, you are still covered in case of an accident.
Non-trucking liability insurance is also known as bobtail insurance, because it covers you when your truck is "bobtailing," or driving without a trailer attached. This coverage is designed to protect you in case of an accident that occurs during these non-business-related activities.
The cost of non-trucking liability insurance can vary depending on a number of factors. Some of these factors include your driving record, the type of truck you drive, and the amount of coverage you need. In general, however, non-trucking liability insurance is typically less expensive than other types of commercial truck insurance.
One reason for this is that non-trucking liability insurance only covers you during non-business-related activities. This means that the insurance company is taking on less risk, since you are less likely to be involved in an accident during these activities.
Another reason why non-trucking liability insurance is less expensive is that it typically does not provide as much coverage as other types of commercial truck insurance. For example, non-trucking liability insurance may not cover damage to your truck in case of an accident. This means that you may need to purchase additional insurance coverage to ensure that you are fully protected.
It is important to note that non-trucking liability insurance is not a substitute for primary liability insurance, which is required by law for all commercial truck drivers. Primary liability insurance provides coverage for accidents that occur during business-related activities, such as when you are hauling cargo. Non-trucking liability insurance only covers you when you are using your truck for personal reasons.
If you are a commercial truck driver, it is important to understand the different types of insurance policies available to you. Non-trucking liability insurance can provide valuable coverage in case of accidents that occur during non-business-related activities. However, it is important to remember that this type of insurance is not a substitute for primary liability insurance.