Driving Your Truck After Work? Get a Reliable Non-Trucking Liability Insurance
When you spend hours in your truck, hauling goods from one end of Oregon to the other, you may get accustomed to the vehicle so much that you start using it during off-work hours as well. Some of the instances include driving your truck to a family dinner right after work or making short personal trips here and there. It's important to know that your conventional trucking insurance will not cover any damage and/or accident that happens during those hours.
To have a better understanding of what kind of trips are already covered by your primary trucking insurance, look at the list below:
- Hauling cargo
- Driving to and from the terminal
- Fueling up
- On its way to and from maintenance or a vehicle service
- Is on a layover
- And more.
These actions are considered a part of your duty. For all other trips, you will need to acquire a Non-Trucking Liability Insurance in Oregon. This plan allows you to be more flexible when making personal plans, changing vehicles, and staying insured no matter where you go.
Primary Vs. Non-Trucking Liability Insurance
There are so many insurance plans recommended for trucks that sometimes it's very easy to get lost. In fact, we don't expect you to know every detail, that's why we're here for! If you already have a primary trucking insurance but want to learn more about the non-trucking liability insurance, it's important to start with the difference between the two.
If you're an owner-operator or a trucking business in Oregon, you probably already have a general liability insurance. It's required by the law and every motor carrier must obtain this plan before they can operate in the state. The non-trucking insurance plan is not legally required, it's a choice that you can make depending on your driving habits. If you often use your trucks to conduct personal trips, then it would be reasonable for you to also sign up for the non-trucking liability insurance plan.
Bobtail Liability Insurance Vs. Non-Trucking Liability Insurance
We often come across cases when clients think that these are only the different names of the same insurance plan. The truth is that Bobtail Liability insurance covers your truck at times when the trailer is detached from it. If for some reason you are required to drive the truck without the trailer and want coverage that your primary insurance plan won't provide, you will need to consider a Bobtail Liability plan.
Non-trucking liability insurance relates only to personal trips using your work truck. Make sure to ask about this difference to your insurance agent so that you don't end up getting the wrong plan.
Conditions And Types of a Non-Trucking Liability Insurance
Once you understand the essence of this insurance plan, it's easier to make the decision. If you need professional guidance in deciding whether you need this insurance or not. Do not hesitate to contact our team for a consultation. We will not only help you understand your insurance needs, but we'll also run you through the different types and conditions of the non-trucking liability insurance. We are sure that you will find a plan that will cover all your needs and won't be a burden on your annual insurance costs.
Some policies will require submitting proof of financial responsibility. Moreover, there are state and federal guidelines in place to help you navigate through the different types of coverages for this plan.
There are many types of non-trucking liability contracts you can sign. Some of the policies don't require you to submit a financial responsibility proof. Others will require more paperwork. We'll be glad to explain you the guidelines and share the paperwork load.
You've earned your piece of mind! Obtain a full non-trucking liability insurance package to afford relaxing drives both to work and family gatherings. You should be protected regardless of your destination.