Truck Liability Coverage Explained
What is considered "bobtailing" in relation to an owner-operator's liability coverage?
Which of the following activities is considered "bobtailing" as it relates to an owner-operator's liability coverage?
A. Driving a truck with a trailer attached
B. Driving a truck without a trailer attached
C. Parking the truck at a rest stop
D. Loading cargo onto the truck
Final answer: Bobtailing refers to driving a truck without a trailer attached.
Explanation:
Bobtailing refers to a situation where a truck is being driven without a trailer attached. It usually happens when a truck driver is returning to their home base or is driving to pick up a new load.
The Business Auto Coverage form does not provide coverage for bobtailing, but the motor carrier's coverage form does. So, as an owner-operator, your liability coverage would only cover you when you have a trailer attached to your truck and not when you are bobtailing.
Bobtailing, in the context of trucking, refers to the act of driving a truck without a trailer attached. This term is important to understand when it comes to liability coverage for owner-operators.
When a truck is bobtailing, it means that the driver is operating the truck without any cargo attached. This typically occurs when a truck driver is traveling without a load or is on their way to pick up a new shipment. It's important for owner-operators to be aware that the Business Auto Coverage form does not provide coverage for bobtailing.
However, the motor carrier's coverage form does offer coverage for bobtailing. This distinction is crucial for owner-operators to know, as it affects the extent of their liability coverage depending on whether or not they have a trailer attached to their truck.