Uninsured driver topped a bridge HELP!

Yes. But all equipment has me listed as the owner, not the company.

 

I don't know how it reads exactly. All that is in the file cabinet at the office. I have had my own authority for 10 years. The liability rest on the power unit. Maybe be different if it's titled differently. IDK.

 

When you get pulled over they ask for truck ins. Not trailer. If there is an accident they ask for truck ins. I'm not talking about comp and collision. Liability only. I don't see why the trailer would be liable for anything. The power unit is in control so it is liable for any damages. I suppose I can see the argument of all owned equipment and up charging for the amount of trailers licensed. I am in no way an expert on corporate law. But could you not just retitle under your name. That way it's not on the company roster?

 

I will repeat this, the insurance company does not have to cover the damages because the driver was not an employee. The insurance coverage does cover the liability of an employed driver, a mechanic and others within the company but does not cover non-employee drivers.

Read your policy.

AND I do not have to cover vehicles owned by my company if they are not legal to drive (i.e. no plates). Don't care what the FMCSA thinks, they are "out of fleet" vehicles when they are not being plated and driven so don't fall under the authority to operate. There is no hard fast regulations that tell anyone they have to insure assets that are not road legal.

 

I was hoping you would chime in. Thanks!!

 

As far as the ins company paying. The op in their eyes broke the agreement by allowing an unapproved driver to operate the equipment.

 

....and if the trailer becomes unhooked travels across the yellow line and hits a car head on?

 

.... grayer still, what if your trailer is attached to another person's truck or becomes un-hooked from another persons truck? Do you know that is insured to pull a non owned trailer?

I read policies before that were worded such that liability was extended to a trailer being towed but never have I read a policy that defines what happens when a trailer is not towed..

 

If it became unhooked I would say it would still fall on the tow unit. As far as interchange insurance that covers the damage to the trailer. Liability still falls on the towing unit.