NON TRUCKING LIABILLITY
Non-trucking liability coverage is an insurance policy designed to protect commercial truck drivers when they use their trucks for non-business purposes, such as personal errands or family activities. Often referred to as “bobtail insurance,” this coverage is crucial for addressing situations not covered by standard commercial trucking insurance policies.
Most commercial trucking insurance policies only cover the truck while it is being used for business activities, like hauling cargo. If a truck driver has an accident while using the truck for personal reasons, their standard commercial trucking insurance may not cover the damages or injuries resulting from that incident.
Non-trucking liability insurance bridges this gap by providing coverage for accidents that occur during non-business use of the truck. This coverage typically includes liability insurance, which addresses damages and injuries to other people or property.
Key points about non-trucking liability coverage include:
- Coverage for Personal Use: It protects truck drivers when they are using their trucks for personal activities, such as running errands or attending family events, outside of business operations.
- Liability Insurance: This coverage generally includes liability insurance that pays for damages and injuries inflicted on other people or property.
- Separate from Business Use Coverage: It is distinct from primary liability insurance, which covers business-related incidents. Owner-operators may need to purchase both types of insurance to ensure complete protection.
In addition to offering non-trucking liability coverage, we provide specialized solutions for managing and resolving claims arising from non-business use of commercial trucks. Our services include:
- Efficient Claims Management: We assist in navigating the complexities of non-trucking liability claims, ensuring timely and effective resolution.
- Expert Support: Our team offers tailored solutions to address specific issues related to non-trucking accidents, helping drivers secure appropriate compensation and handle legal challenges.
- Comprehensive Coverage Review: We help truck drivers and owner-operators assess their insurance needs to ensure they have adequate protection for both business and personal use.
Maintaining non-trucking liability coverage is vital for protecting truck drivers from potential financial losses and ensuring peace of mind while using their vehicles for personal purposes. With our expertise and support, trucking professionals can effectively manage claims and safeguard their interests on the road.
