Bobtail insurance

Discussion in 'Ask An Owner Operator' started by pavrom, Apr 3, 2023.

  1. pavrom

    pavrom Road Train Member

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    I wanted to ask the community because there is someone wise here .
    I have good friend who's running under someone authority as an owner operator , he has his own tractor/trailer , he took week off from work and while parking his truck he backed into someones regular 4wheeler . He called his agent trying to make a claim and his agent advised him that progressive ( his bobtail insurance provider )will most likely deny the claim !!!
    I was quite surprised , when there is a coverage under bobtail insurance , he definitely wasn't under the load or dispatch
     
  2. Cat sdp

    Cat sdp . .

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    Bobtail means bobtail = no trailer
    Unloaded liability would cover that…..

    But what do I know…..
     
  3. Diesel Dave

    Diesel Dave Last Few of the OUTLAWS

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    Did you read the “fine print” on the policy?
     
  4. Diesel Dave

    Diesel Dave Last Few of the OUTLAWS

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    I’ll give you an example on the fine print, my cargo insurance says it will ONLY cover the cargo loss/damages while I’m hooked under a power unit. If I drop my trailer with a load and it gets jacked, it’s not covered.
     
  5. Long FLD

    Long FLD Road Train Member

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    Guess he needs to read thru his non-trucking liability policy and see what it says.
     
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  6. LOTSO

    LOTSO Heavy Load Member

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    As this man says...When you read your policy, you will be unpleasantly surprised to find out what it does NOT cover.
     
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  7. pavrom

    pavrom Road Train Member

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    I didn't because its not my policy ... Just pure curiosity
     
  8. Concorde

    Concorde Road Train Member

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    First find out if it is actually bobtail insurance or non trucking liability. I had non trucking liability from Progressive when I was leased and they wouldn’t give me bobtail insurance.
     
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  9. Concorde

    Concorde Road Train Member

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    pavrom Thanks this.
  10. LOTSO

    LOTSO Heavy Load Member

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