Insurance for personal use while working on the truck?

Discussion in 'Freightliner Forum' started by MIg25, Apr 6, 2021.

  1. MIg25

    MIg25 Bobtail Member

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    I was wondering if I can get cheaper insurance (not for hire/Personal use) type. I am still rebuilding my Freightliner, but I need to test drive it from time to time.
    I want also to be able to drive it when I move, with my personal belongings in the trailer.
    Is anybody familiar with these types of insurance I can get?
     
    BUMBACLADWAR Thanks this.
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  3. jamespmack

    jamespmack Road Train Member

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    Bobtail/non trucking. Cheap.
     
  4. calnca

    calnca Medium Load Member

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    You can get a "trip" policy from most truck underwriting carriers. 3-5 days to complete XX mile trip.

    Usually pretty cheap.
     
    jamespmack Thanks this.
  5. MIg25

    MIg25 Bobtail Member

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    Just to understand, since I am not for hire and hauling personal stuff when I move, I do not need to be inspected nor stop at weight stations, am I correct?
     
  6. calnca

    calnca Medium Load Member

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    Not so sure about the scales.......if not hauling for hire probably not.
     
  7. 062

    062 Road Train Member

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    @brian991219 may be able to help with that. Some states are all vehicles over a certain weight must enter scale.
     
    brian991219 Thanks this.
  8. ZVar

    ZVar Road Train Member

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    For hire means nothing. What matters is personal use (non commercial) and the state laws you will be in.
    Some states are all vehicles over x weight, some are cmv specific.
    Check the requirements of the states you will be driving through.
     
    brian991219 Thanks this.
  9. MIg25

    MIg25 Bobtail Member

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    Either way, if I have to enter a scale, I don't think I will be overweight since I am hauling my own household.
    I am sure I will be well below 26000 lbs.
    I will not have documentation for the load since it is my own junk. I will be going from Missouri to Florida.
    Missouri, Illinois, Kentucky, Tennessee, Georgia then finally Florida.
     
  10. ibcalm19

    ibcalm19 Heavy Load Member

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    What is the class of your truck? That will determine the answer to your questions
     
  11. brian991219

    brian991219 Road Train Member

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    If it is truly a personal move, meaning your own household goods and no compensation (not being reimbursed for the move by a employer, planning to sell the contents when you get to the destination, etc) then you only have to stop at the scales that say all trucks including rentals (language may be slightly different). Examples are California and Florida want even Uhaul trucks driven by private people to enter for inspection.

    As for paperwork on the load, be prepared to justify it is your own stuff if stopped and questioned.

    Insurance is going to be tough. "Bobtail" aka non-trucking liability isn't really applicable here because for that to be binding it almost always must be used in conjunction with a valid lease agreement from a motor carrier. The fine print usually requires this. There are insurance companies that write personal use of former commercial vehicles, think like collectors and such, just not sure who to recommend to you.
     
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