Non-Trucking Liability Insurance: What You Need to Know

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Non-trucking liability insurance is a type of insurance coverage that protects owner-operators and leased drivers who use their vehicles for non-business purposes, such as driving to the grocery store or taking a road trip. This type of insurance typically covers damages to third parties as a result of an accident while the truck is being used for personal reasons.

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What is Non-Trucking Liability Insurance?

Non-trucking liability insurance, also known as bobtail insurance, is a type of commercial auto insurance policy that provides liability coverage when a truck is being operated for non-business purposes. This type of coverage is designed to protect trucking companies and owner-operators from financial loss if their trucks are involved in accidents while not in the course of work.

According to the Federal Motor Carrier Safety Administration (FMCSA), non-trucking liability insurance is required for all leased trucks and owner-operators as part of their FMCSA registration.

What does Non-Trucking Liability Insurance Cover?

Non-trucking liability insurance provides coverage for damages that occur when a truck is being operated for non-business purposes. This can include driving to and from a personal residence, running personal errands or taking a trip.

Specifically, non-trucking liability insurance covers damages to third parties, including other vehicles, property damage, and bodily injury. It does not typically cover damage to the insured truck, as this is usually covered under other commercial auto policies.

How Much Does Non-Trucking Liability Insurance Cost?

The cost of non-trucking liability insurance varies depending on several factors, including the type of truck being insured, the amount of coverage needed, and the driver’s record. Generally, non-trucking liability insurance is less expensive than other types of commercial auto insurance, as it provides coverage for non-business use only.

Factors that can affect the cost of Non-Trucking Liability Insurance
Explanation
Type of Truck
Bigger and more expensive trucks will have higher premiums
Amount of Coverage
The higher the coverage limits, the more expensive the policy will be
Driver’s Record
Drivers with clean records will have lower premiums

Who Needs Non-Trucking Liability Insurance?

Non-trucking liability insurance is typically required for owner-operators and leased drivers who use their trucks for personal reasons. This can include driving home after a long haul or using the truck to run personal errands.

Additionally, many motor carriers require their owner-operators and leased drivers to carry non-trucking liability insurance as part of their lease agreements.

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

Non-trucking liability insurance and bobtail insurance are often used interchangeably, but they are not the same thing.

Non-trucking liability insurance provides coverage when a truck is being operated for non-business purposes, such as driving home after a long haul. Bobtail insurance, on the other hand, provides coverage when a truck is being operated without a trailer attached.

It is important to note that while non-trucking liability insurance is required by law, bobtail insurance is not. However, many motor carriers require their owner-operators and leased drivers to carry bobtail insurance as part of their lease agreements.

How to Get Non-Trucking Liability Insurance

If you are an owner-operator or leased driver who uses your truck for personal reasons, you will need to purchase non-trucking liability insurance. To get started, you can reach out to a licensed insurance agent who specializes in commercial auto insurance.

When shopping for non-trucking liability insurance, it is important to compare quotes from multiple insurance carriers to ensure you are getting the coverage you need at a price you can afford.

Frequently Asked Questions (FAQ)

What is the difference between non-trucking liability insurance and primary liability insurance?

Primary liability insurance is required by law and provides coverage for damages caused by a commercial truck while it is being operated for business purposes. Non-trucking liability insurance, on the other hand, provides coverage when a truck is being operated for non-business purposes.

Do I need non-trucking liability insurance if I have primary liability insurance?

Yes, owner-operators and leased drivers who use their trucks for personal reasons are required to carry non-trucking liability insurance in addition to primary liability insurance.

What is the difference between non-trucking liability and physical damage insurance?

Non-trucking liability insurance provides coverage for damages to third parties caused by a truck being operated for non-business purposes. Physical damage insurance, on the other hand, provides coverage for damages to the insured truck.

Do all owner-operators and leased drivers need non-trucking liability insurance?

Yes, according to the FMCSA, all owner-operators and leased drivers are required to carry non-trucking liability insurance as part of their FMCSA registration.

What type of damages does non-trucking liability insurance cover?

Non-trucking liability insurance provides coverage for damages to third parties, including other vehicles, property damage, and bodily injury.

Can I add non-trucking liability insurance to my existing commercial auto policy?

Yes, many insurance carriers offer non-trucking liability insurance as an add-on to their commercial auto policies. It is important to speak with your insurance agent to determine the best coverage options for your needs.

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