What is the Difference Between Non Trucking Liability and Bobtail Insurance?

Primary liability insurance coverage is an insurance policy which is required by federal and state laws to persons or entities whose livelihood involves trucking or who own any vehicle used for transport of merchandise or other commercial activities. It is typically provided for owner operators by the motor carrier but its coverage is subject to certain limitations. That’s why there are vehicle insurance coverage policies such as non-trucking liability and bobtail insurance which specializes in providing full protection from claims arising from certain situations which the primary liability insurance cannot cover.

There is often a mixed-up in between non trucking liability and bobtail insurance and although they’re sometimes presumed to be interchangeable and the same, they actually differ especially to what each of them covers.

Non- trucking liability protects the owner-operator from any liability claims in case of accident when the vehicle is not used for business purposes, and whether there’s a trailer in tow or not. This type of truck insurance coverage is sometimes known as contingent liability. Non trucking liability also protects the motor carrier when a full-time lease driver is not under dispatch. If for example you are a permanent leased contract trucker, the primary liability your motor carrier provides for you will not apply but the non-trucking liability will, if you are not under dispatch when you use the vehicle at the time of the accident. Non trucking liability insurance applies only to circumstances when the truck is being used for non-commercial purposes. If in case you are driving your truck for non-economical purposes or for personal use and you’re off duty when you meet an accident causing minor bodily injury to the other driver and damage to the other person’s car, your primary liability coverage will not pay for the expenses since you’re not under dispatch. It is the non-trucking liability, a policy type designed to cover physical damages incurred in a case like this, which will pay for the medical expenses necessary for the other driver’s check-up or hospitalization and repairs of the damage to the other car subject to the policy limits.

Bobtail insurance is a commercial vehicle insurance that covers a truck without a trailer in tow while traveling, regardless of whether the truck is used for personal or business use. Bobtail insurance is also known as “Dead head” coverage, or bobtailing since a truck is being used without a trailer attached. The scenario where bobtail insurance is commonly made applicable is when an owner or operator, after using the vehicle with no trailer for trucking or business purposes, meets an accident on his way home. Bobtail liability, unlike non-trucking insurance covers damages even if the driver is not under dispatch but it is a type of vehicle insurance coverage which focuses more on whether or not the truck is pulling a trailer during the accident. If you are driving between load and you meet an accident on the way, bobtail insurance is the coverage most applicable in your case or situation.