Auto insurance: Bobtail Liability cover, and why it’s important

Getting a total cover is essential Bobtail Liability cover is an auto insurance policy that provides added insurance cover to the owner or driver of a truck when the truck is not being used for the transportation of goods.

Bobtail is used to refer to a truck that has no trailer attachment or a truck on which a trailer is attached to but which carries no load. Bobtail Liability cover is as well referred to as deadheading liability cover.

Bobtail is used to refer to a truck that has no trailer attachment or a truck on which a trailer is attached to but which carries no load. Bobtail Liability cover is as well referred to as deadheading liability cover.

bobtail liability cover
Bobtail insurance cover

What does bobtail liability cover take care of?

A truck driver would usually have a company’s basic insurance cover that protects him during the transportation of the goods with the truck.

Bobtail insurance cover takes care of those periods that the truck is not being used for the conveyance of goods. This means the periods during which the truck is not used for company assignments.

The truck driver is not usually covered for such times by the standard liability insurance policy of the company he is working for such as when the driver is on his way home after work.

This means the periods during which the truck is not used for company assignments. The truck driver is not usually covered for such times by the standard liability insurance policy of the company he is working for such as when the driver is on his way home after work.

Why it is necessary to get Bobtail insurance cover

A driver of a truck is usually covered by the liability insurance policy of the company he or she works for. As soon as the driver of the trucks delivers the goods he is conveying to clients, and the truck is empty, he is no longer covered by any insurance policy at that time.

Thus, if for example, he is traveling from a location where he delivered goods back to the company depot or to another location to carry other goods for delivery and any accident occurs at that time, he is not usually covered.

Thus, truck drivers go for bobtail liability insurance policy cover to ensure that they are covered all the time. While the company’s insurance policy protects them when they are conveying goods, the bobtail cover protects them when the goods have been delivered and they are no more carrying a trailer or other shipping consignments.

Again, the majorities of truck drivers transport cargo to many locations and work for more than one company. This means that they can just deliver cargo to a place and drive immediately to another location to convey other goods which may or may not be similar in nature and form.

Truck drivers may also work as autonomous contractors or work for a cargo dispatch company. Thus, they frequently transport and dispatch cargoes for different companies which may have varying types of insurance policy cover.  Bobtail cover, thus, offers the driver insurance coverage when he is traveling between companies and cities without cargo.

Important facts about bobtail liability cover

Bobtail insurance varies broadly in terms of their worth. Most frequently, the value attached to the policy is not to have anything less than one million in liability insurance due to the fact that truck trailers are high duty vehicles.

Nevertheless, in some cases, you would require extra cover at a very minimal rate. Coupled with the liability protection, you’ll require an extra protection for the automobile in case of any accidents that may occur as a result of fire outbreak, or loss that you may incur as a result of theft, vandalism or weather effects.

Bobtail liability cover helps truck drivers to function with limited numbers of risk both during the time of active cargo transportation and at other times when the truck is not actively transporting goods. To benefit from this all-round protection, all you require is to update your insurance policy with bobtail insurance cover.

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