Many truckers lease their trucks from their trucking company. Both the trucking company and the driver have certain responsibilities for the vehicle. However, truckers usually have leeway to use their trucks on their own time.
When you drive your truck outside of a dispatch, you still face dangers on the road. Should an accident occur, you might put your own safety and your company’s assets at risk. In such instances, a non-trucking liability (NTL) policy can help the truck driver. Nonetheless, this special type of coverage has its limits.
What is NTL Insurance?
Generally, trucking companies provide liability trucking insurance for their drivers. This can protect the company and driver if the driver causes harm or property damage to someone else. However, this coverage usually only protects drivers when they operate for business purposes.
Nonetheless, truckers might use their rigs as their everyday vehicle. This will usually render their company's liability protection as moot. They will then need to turn to NTL protection.
Should third party damage occur during personal use, NTL insurance can protect the trucker. It will often contain coverage similar to those of standard trucking liability insurance. However, it will recognize that the driver is using the vehicle personally, not as an employee at work.
Exceptions to Non-Trucking Liability Coverage
NTL coverage usually comes with exclusions. You can generally think of many exclusions as being operations for business purposes. If you’re operating for business, then you aren’t operating privately. So, if you are driving for work, your NTL coverage might not protect you. Such actions might include:
- Hauling a load, traveling between dispatches and even washing the truck
- Driving an empty trailer without a load might be a part of standard operations. So is driving without a trailer. When driving without a trailer, you might need special protection called bobtail insurance. Usually, bobtail insurance will protect you regardless of whether you are under dispatch
- Traveling for maintenance and fuel
As a trucker, you must stay aware of when your NTL coverage will protect you and when it won’t. Think of NTL coverage as only active during times when you are off the clock. When you’re working, your company's standard liability coverage should protect you.
Never forget, liability insurance usually only protects you if you cause damage to other people. Besides liability protection, truckers likely need damage coverage for their own truck. It can help pay for repairs or replacement to your own vehicle following an accident. Your company may not provide this coverage, even if they offer liability protection. You usually need to buy itself. It is important to talk to your employer and your insurance agent about the protection you need. Call us for a Oklahoma truck insurance quote at (405) 702-6868