If you drive a semi-truck, in most cases, you probably drive with a trailer attached as you move goods from one place to another. When you are under dispatch, then you will probably be covered under the insurance that your motor carrier provides. However, what about when you drive without a trailer attached? You still need insurance no matter when you drive your truck. So, that means that when you don’t have your trailer attached, you’ll need to get coverage to bridge the gap. This coverage is called bobtail insurance.
Driving without a trailer is called bobtailing or deadheading. Bobtail coverage provides protection when you are driving your truck without a trailer. This insurance helps bridge the gap between your motor carrier insurance and other times when you might drive your truck without a trailer.
Who Needs Bobtail Insurance?
You probably need bobtail insurance if you drive a truck under someone’s else’s trucking authority without a trailer attached. Your motor carrier may require you to carry bobtail coverage or they may not. Regardless, you should know what it is and if you need it. (Our team of insurance experts would be happy to talk about your truck insurance needs – you can get in touch with us by phone or by filling out our online quote form.)
When Would Bobtail Insurance Cover You?
Bobtail insurance covers you when you are traveling between loads without the trailer attached. For example, if you drop off a load in St. Loius and bobtail to Indianapolis to pick up your next load for a different company, then bobtail coverage would cover your drive between St. Louis and Indianapolis. Bobtail insurance also covers you when you drive your semi without its trailer to and from the terminal. Bobtail coverage will still provide protection if you are driving your truck for personal reasons. So, it would protect you after you drop a trailer and then drive your semi home. As long as you are not hauling a trailer or other equipment, bobtail insurance would cover you.
When Does Bobtail Insurance Not Cover You?
Bobtail insurance will not cover you if you are hauling any load, trailer or reefer — even if the trailer is completely empty. For more information about insurance that would cover you during these types of scenarios, then contact us today.
What Does Bobtail Insurance Cover?
Bobtail can protect you against high out-of-pocket expenses if an accident should occur while you are driving your semi truck without a trailer. If you are in an accident while bobtailing, then this insurance could cover medical bills from an injury, storage fees after an accident, legal fees, and lawsuit expenses.
How Much Is Bobtail Insurance?
Bobtail coverage costs vary depending on a variety of factors, including how much liability you want, your deductible, the distance that you typically deadhead and your driving record. If you would like to receive a personalized bobtail insurance quote from multiple insurance companies, then fill out our convenient online form today. Comparing rates from multiple companies is the best way to get the cheapest bobtail trucking insurance.