Commercial Truck Insurance: Bobtail Coverage For Independents
Commercial Truck Insurance: Bobtail Coverage For Independents
Different commercial truck drivers have different needs. Some driver work part-time; some work full-time. Some drivers own their trucks; some don't own. Some work for large freight operators; some for smaller companies. The drivers that have full-time employment usually have their truck insurance needs covered by their employers. Their employers take care of all the necessary insurances to cover all of their different trucks, cargos, etc. Bobtail truck insurance does not usually apply to these drivers.
Others truck drivers work independently or part-time, and without employers taking care of insurance needs, these drivers need to be concerned about insuring their livelihood. Usually these drivers own or rent their semi-truck, but as independent drivers, it is extra important to have the appropriate coverage and filings. These are the drivers that need to be concerned with bobtail insurance.
These independent drivers know that when they are hired on a short-term basis, they will be provided with the federally mandated primary liability truck insurance that the motor carrier possesses. This coverage keeps them from being liable for the cost of damages inflicted upon other vehicles in the instance of an accident, but the coverage is only temporary. Once the load has been delivered the driver is no longer covered by this temporary insurance. Bobtail insurance in needed for this "in-between" time, to fully protect both your assets and truck.
This is a very good feeling for the independent driver to not only know that he or she is covered, but that someone else is paying the bill. What must be recognized is that this coverage ends as soon as the job is done. When the driver punches out, the truck, the driver, and all liabilities are not covered. It does not even cover the driver while making a return trip after the cargo has been delivered. This is where bobtail insurance comes into play. Independent drivers need, and need to understand, what Bobtail truck insurance.
Bobtail Insurance For Independent Operators
Trucking companies' primary liability coverage does not cover their independent drivers once the job is done. This makes it the responsibility of the driver to maintain and protect his or her truck when not actively dispatched.
Bobtail insurance, or non-trucking liability, is a policy that exists solely because of independent owner/operators. It works just like a primary liability policy when you're off an employer's policy; bobtail coverage starts when the employer's policy ends. It's kind of like a part-time policy, that's there only when you need it. And when you don't need it, you're not paying for it. This helps drivers avoid having to buy their own full liability coverage.
In effect, you only pay when you aren't already covered. This can relieve a hefty financial burden for independent owner/operators while simultaneously provided valuable liability coverage. So if you're an independent truck driver, don't waste money on a standard commercial truck insurance policy; learn more what bobtail insurance can do for you.
Operating a truck without having the appropriate insurance is a risky and dangerous game. Accidents are costly, especially accidents involving semi-trucks. A lot of peace of mind can come from knowing that you won't be the person who others come after, and possibly footing an impossible bill.
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