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Why do I have to have bobtail insurance and non-trucking insurance?
I am looking to lower my commercial insurance policy and I see that I have both bobtail and non-trucking insurance. Since they cover the same thing, can I get rid of one?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While bobtail and non-trucking insurance seem the same, they cover your liability differently and both should be a part of your policy.
Both bobtail and non-trucking provide
liability-only
protection for the owner or operator of the truck when an at-fault accident occurs. Bobtail insurance is for when the truck is driven without a trailer, whether the truck is being used for business or personal use.
Non-trucking insurance covers you when the truck is not being used for business. Moreover, it doesn’t matter if a trailer is attached or not.
Sounds a little tricky, right?
Here are some examples:
- Let’s say you are in an accident with your rig after you have dropped off your last load while on the way to pick up your next one. You are still on the clock but you aren’t towing a trailer. This is covered by bobtail insurance.
- If your rig is parked in your front yard and you grab it for a quick trip to the mall and get in an accident, bobtail insurance will cover you.
- On the way home from your last drop off you decide to go to the grocery store instead of going straight home and get into an accident. You are not on the clock and instead running a personal errand. Your trailer may or may not be attached. You will be covered by non-trucking insurance.
It is recommended to work closely with an insurance agent while purchasing a commercial policy just for this reason. Commercial insurance is incredibly complex and an experienced agent will help you navigate and eliminate potential insurance gaps.
I hope this makes more sense now!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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