Bobtrail Trucks

Driving your 18-wheeler without the trailer attached is known as bobtailing or, more commonly, deadheading. Semi owner operators who occasionally make deadhead trips with or without dispatch are usually required by their motor carrier to have special coverage, known as Bobtail truck insurance. 

At PSI,  we specialize in providing comprehensive insurance solutions for independent operators of bobtail trucks. Our Bobtail Truck Insurance is specifically designed to meet the unique needs of solo drivers and owner-operators. Explore the key aspects of coverage and understand why choosing PSI ensures a tailored and robust approach to protecting your assets.

Who Needs Bobtail Truck Insurance? Unveiling the Essentials

Bobtail Truck Insurance is essential for solo drivers and owner-operators during non-business use of their commercial vehicles. Here's a detailed breakdown of who needs it and why:

Non-Business Use:

Bobtail insurance provides coverage during times when your commercial truck is not under dispatch or engaged in business activities.

State Requirements:

Insurance requirements for bobtail trucks vary by state. Many states require insurance coverage for the registration and licensing of commercial vehicles.

Commercial Vehicle Insurance:

Even during non-business use, maintaining insurance coverage is crucial. Bobtail Truck Insurance covers liability in case you, as the driver, are involved in an accident during personal use of the commercial vehicle.

Full Coverage Considerations:

Understanding the extent of coverage is vital. Bobtail insurance may not automatically cover the replacement cost if the truck is stolen or totaled during non-business use.

Risk Mitigation:

Bobtail Truck Insurance helps mitigate financial risks associated with accidents or damage that may occur during personal use of the commercial vehicle.

Key Aspects To Consider:

• Liability Insurance:
  • Coverage: Fundamental for bodily injury and property damage.
  • Considerations: Ensure compliance with state requirements and assess coverage adequacy for personal use.
• Physical Damage Insurance:
  • Coverage: Protects the bobtail truck from damage during non-business use.
  • Considerations: Evaluate deductible, coverage limits, and the policy's ability to cover the full replacement cost.
• Uninsured/Underinsured Motorist Coverage:
  • Coverage: Protects against damages caused by uninsured or underinsured drivers.
  • Considerations: Assess the prevalence of uninsured drivers for added protection.
• Non-Trucking Liability Insurance (Bobtail Insurance):
  • Coverage: Provides coverage when the truck is not under dispatch.
  • Considerations: Relevant for owner-operators using vehicles for personal purposes.
• Rental Reimbursement Insurance:
  • Coverage: Helps cover rental costs for a replacement vehicle during repairs.
  • Considerations: Minimizes operational disruptions during vehicle repairs.
• Risk Management and Safety Programs:
  • Considerations: Implementing safety programs positively impacts insurance premiums. Discounts may be offered for operators with robust safety practices.
• Policy Reviews and Updates:
  • Considerations: Regularly review and update policies to align coverage with changes in personal or business use.

Choose PSI for Expert Bobtail Truck Insurance:

When securing insurance for bobtail trucks, partner with an experienced provider like PSI. We ensure specialized coverage tailored to the unique risks associated with personal use of commercial vehicles. Trust PSI to safeguard your interests as an independent operator with confidence.