Bobtail Insurance in Franklin, TN

Bobtail insurance is a specialized form of liability insurance designed for trucks that are operating without a trailer attached. It helps cover a truck when it’s being driven without a load, often referred to as “bobtailing.” This type of insurance is essential for truckers who need coverage for their vehicle while it’s not hauling cargo.

Is Bobtail Insurance Important?

Bobtail insurance is important for truckers who drive without a trailer attached because it protects them from financial liability in the event of an accident.

The following are some of the advantages of choosing bobtail insurance coverage:

• Coverage for liability—Even when not loaded, a truck is still a commercial vehicle that can cause accidents and injuries. Bobtail insurance provides liability coverage for damages or injuries caused while driving without a trailer. This ensures that you are protected even when not actively transporting goods, helping you avoid potentially devastating financial losses.

• Protection during nonworking hours—Bobtail insurance may help provide coverage for your truck when it’s not in operation, such as when it’s being driven to or from a jobsite or while on personal errands. This is particularly important in Tennessee, where long distances between destinations and varied road conditions can increase the risk of accidents even when you’re not hauling cargo.

• Complementary coverage—While bobtail insurance is crucial, it complements other types of insurance, such as primary liability or physical damage coverage. It fills in gaps that might not be covered under other policies, ensuring that your truck is protected in a wider range of scenarios.

• Legal requirements—In Tennessee, having adequate insurance coverage is required by law. While bobtail insurance is not mandated, having it in place ensures that you meet the comprehensive insurance needs for your trucking operation, reducing the risk of legal issues and compliance problems.

Contact Us

Contact Allee Agency Inc. in Franklin, Tennessee, for a personalized trucking insurance quote, including bobtail coverage.