bobtail off duty going to mechanic

Well you want a real answer?

Here it is.

The insurance that you are paying for is the exact insurance for this purpose. If the insurance company doesn't agree with that, then get another insurance company and tell us who it is.

See a non-trucking liability (bobtail) is there to cover the truck when there is no dispatched load on the truck. It is there when you are using it for pc, when you take the truck for service and when you take it on a date.

The cargo insurance covers the truck under a load. Dispatching is not the deciding factor, it is load on the truck that counts.

 

PC, should have said you were going somewhere for food. They don't need to know that the food place was right next door to the shop and that before you came back, you decided to have some maintenance done.

 

There are 2 types of insurance that cover you when you are not hauling a load, bobtail and non-trucking liability. They're very similar, but a little different. Bobtail only covers you when you are bobtailing. It covers whether or not you are dispatched. Trailer=carrier's insurance, no trailer=bobtail insurance.

Non-trucking covers you when you are not dispatched, even when you have a trailer.

Going to get work done on the truck is not the same as being under dispatch, so that doesn't matter, and lying to the insurance company is never a good idea.

Insurance covers you regardless if it is your fault. There usually are some clauses denying coverage while doing criminal acts, but as long as you weren't and you have bobtail, not non-trucking liability while you were dispatched to a load, your insurance must cover damages to the other party if you were at fault. If you weren't at fault, they shouldn't.

 

OK I should have clarified it a bit, you are almost there, sorry to be obtuse but here is the difference.

The bold part is why I am posting again.

Bobtail is insurance on the truck when it isn't dispatched, or have a trailer attached.

Non-trucking liability is insurance that is used for everything else.

Many brokers will not allow both while some will have a package for both.

I have both on all the trucks, it is actually cheaper in the long run.

There are other insurance issues that should be addressed while we are on the subject, one is equipment within the truck that is NOT covered by the general insurance, like CB or nav equipment.

Who told you this?

Police reports are evidence, they are surely used in court and they can be introduced by your lawyer or the insurer or who ever.

As for YOU dealing with anyone, most of the time the state that it happened in dictates what type of outcome happens. In this state I live in, it is a no fault state, I hit someone, I could be on the hook for a limited amount of money - their deductible - but outside of that, there insurance company takes care of their claim, mine takes care of my claim. I know in other states, it is the same thing, each party involved has their insurance company deal with their vehicle and repairs.

Your best bet is to tell great west through your lawyer that they have to deal with it, you do have a lawyer, right?

 

Bobtail insurance is for running anywhere outside having a load or deadheading to get a load. Everything else falls on bobtail insurance whether u hooked to trailer or not

 

YOU AINT off duty.

You are going to mechanic. On duty driving.

YOU get pilloried for incorrect logging and probably end up awarding damages and even punitive above that to the other party suing you.

See here. Bobtailing to a night club or home is totally off duty.

But anything at all to do with actual work or related to the truck in any way, it's driving followed by onduty at the shop.

 

The lawyer provided by Great West will look out for your best interest, until, the best interest of the insurance company supercedes yours.
Every time I had a claim with an insurance company.
I always hired my own attorney to, at the very least, review and advise me.

Good luck.