Does Bobtail Insurance Cover Damage to Your Own Truck?

If you drive or own a truck in Franklin, TN, Franklin, Brentwood and Nashville, it’s important to understand whether bobtail insurance applies to your vehicle.

Bobtail insurance provides liability coverage when you are driving your truck without a trailer and not under dispatch, such as between jobs, after a delivery or on your way home. In these situations, it may help pay for injuries or property damage you cause to others. In some cases, Tennessee motor carriers may require this coverage as a contractual requirement.

What Is Excluded in This Policy?

Bobtail insurance focuses on liability, so it does not cover damage to your own truck. It may not include:

• Physical damage to your vehicle, such as structural or mechanical damage from a covered event
• Repairs after an accident, including costs to fix your truck following a collision while bobtailing
• Losses from theft or vandalism, such as repair or replacement if your truck is stolen or intentionally damaged
• Weather-related damage, including repairs from hail, flooding, wind or other severe conditions

What Coverage Do You Need for Your Own Truck?

To cover physical damage to your truck, you may need a separate physical damage policy. This may include:

• Collision coverage may pay for repairs if your truck is damaged in an accident.
• Comprehensive coverage can cover noncollision events like theft, fire or severe weather.

Get Covered Today

We can help you find suitable coverage options. Contact Allee Agency Inc to discuss your insurance needs and get a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.