Bobtail Insurance is a specialized coverage designed for truckers driving their truck without a trailer, particularly when not under dispatch. This insurance protects your truck during non-business-related activities, ensuring you’re covered when driving to and from home, a terminal, or a maintenance location.
What Is Covered Under Bobtail Insurance?
Bobtail Insurance offers crucial protection for truck drivers when operating their vehicles without a trailer attached. This coverage typically includes:
- Liability Protection: This coverage protects against financial losses resulting from accidents where the trucker is at fault while driving the truck without a trailer. It includes:
- Bodily Injury Liability: Covers medical expenses, lost wages, and pain and suffering claims from third parties injured in an accident caused by the trucker.
- Property Damage Liability: Covers the cost of repairing or replacing other vehicles or property damaged in an accident where the trucker is at fault.
- Legal Expenses: This coverage provides for the legal costs incurred if the trucker is sued due to an accident while driving the truck without a trailer. It includes:
- Defense Costs: Covers attorney fees, court costs, and other legal expenses needed to defend the trucker in a lawsuit.
- Settlement Costs: Covers costs associated with settlements or judgments against the trucker if found liable for an accident while driving in bobtail mode.
This comprehensive coverage ensures that you and your vehicle are protected, even when not engaged in business-related activities.
Which Drivers Benefit From Bobtail Insurance Coverage?
Bobtail Insurance mainly benefits truck drivers who frequently operate vehicles without a trailer. This includes owner-operators and independent contractors who use their trucks for personal use between hauls.
For instance, a truck driver returning home after delivering a load, driving to a terminal to pick up a new trailer, or taking their truck to a maintenance shop can benefit significantly from Bobtail Insurance. Without this coverage, drivers could face significant out-of-pocket expenses if an accident occurs during these non-business trips.
By providing financial protection against accidents and liabilities, Bobtail Insurance ensures that truck drivers can drive confidently and securely, no matter the purpose of their journey.
Contact Pro Insurance Group For Your Bobtail Insurance Coverage
Pro Insurance Group offers tailored Bobtail Insurance solutions to meet your unique needs. Our expert team is dedicated to helping you find the right coverage to protect your truck during non-business activities. Our extensive knowledge and commitment to excellent customer service ensure that you are adequately covered. Contact Pro Insurance Group today to learn how we can help secure your truck with Bobtail Insurance.