Unladen Insurance?

It should be spelled out in your lease agreement, but generally you are only covered by the carrier's insurance when you are "under dispatch." Driving to a mechanic or to a walmart for groceries may not be covered.


Unladen & bobtail insurance fill in the holes (some insurance companies use "unladen" "non trucking" and "bobtail" interchangeably, but they are slightly different. See: http://ezinearticles.com/?Owner-Ope...n-Liability-Definitions-and-Impact&id=4848891 )

 

short answer is yes. your lease will tell you just how much you must have (most are $1,000,000 ) you can get it thru the company your are leased to (they take it out each week/month) or you can get it on your own. i have mine thru True North, it was cheaper than thru the company and OOIDA

 

I had to look that up. Insurance code, or laywer speak for bobtail insurance?
What difference does it make if you are hooked to a trailer? Like you have to have insurance on the tractor, and the trailer isn't going to cause an accident without the truck.

 

Try my insurance.
Nationwide Truckers Insurance Agency, Inc.
Harrisonburg, va
Pm me if you want the number

 

Because, you're more likely to be involved in a collision in the first place when pulling a trailer vs bobtailing.

Bobtail and Non-trucking should be fine for an owner op who uses the vehicle occasionally for personal use while off duty/not dispatched. Just don't get anywhere near a trailer while you're doing that.

 

You won't need all of those. Only 1 as a rule, just depends on who you lease to. For example, Landstar requires Unladen Lia and will not accept OOIDA insurance. Other carriers only require Bobtail Liability. If possible, you need to decide on a carrier before you purchase Ins.

 

You're going to want "comp" (comprehensive) coverage also to cover theft/vandalism/acts of god while the truck is sitting unattended. I think animal strikes are also covered under comp as act of God.