Many truck drivers worry about accidents, and insurance can give you some peace of mind to make your time on the road a little easier. There are several different types of insurance that trucks need. If you drive your truck without your trailer or bobtail often for your job, you may also need bobtail liability insurance. Here are some common questions about bobtail insurance that can help you decide if it’s the right option for you.
What is the Difference between Bobtail and Non-Trucking Insurance?
While bobtail truck insurance and non-trucking insurance may seem similar, they are actually very different.
Bobtail insurance covers the truck when it’s not being used to deliver products, but is on its way to a different location without a trailer attached.
Non-trucking insurance is insurance that covers the truck when it is not being used for work. It does not cover the truck when it is being driven for work purposes. It is designed more for truckers who use their trucks for personal reasons.
How does Bobtail Insurance Work?
Some truckers drive their trucks without a trailer when they are on their way to pick up a new load to haul, or if they just need to get the truck somewhere for service or another reason. When there is not a trailer on the truck, bobtail insurance is needed to protect the truck when it is not being used to deliver products.
Truckers usually drop off a trailer and then drive to a destination to pick up a new one. This practice is what is called bobtailing and this is when bobtail insurance coverage kicks in and can protect the trucker if they are in an accident while the trailer is not attached to the cab.
How Much Does Bobtail Insurance Cost?
There are many factors that determine the cost of bobtail insurance. Some of those factors include:
- driver’s accident history
- driver’s credit
- company accident history
- type of truck
- type of business
Plus more. If you want an accurate estimate of a bobtail policy cost as it applies to your specific case, be sure to get a free quote from us!
What does Bobtail Insurance Policy Cover?
Bobtail insurance coverage works much like other types of trucking and traditional vehicle insurance policies in that it will cover property damage and bodily harm.
The difference with bobtail truck insurance is that it must meet strict coverage requirements for the state where the truck is registered. At its core, It covers property damage and bodily injuries to both the trucker and any other party that may be involved in the accident.
Do I Really Need Bobtail Truck Insurance Coverage?
If you are a trucker and your career requires you to do a lot of bobtailing, you may want to make sure you have bobtailing insurance. Having traditional trucking insurance or even non-trucking insurance on your truck is not enough. You want to make sure you are protected in the event that you are ever in an accident while driving your truck without the trailer.
But don’t hesitate to ask if you’re on the fence – SocialTruckIns can help you with all your bobtail insurance needs and queries. Give us a call to get a quote for insurance and learn more about our insurance policies.