September 4, 2010

A Discussion on Non-trucking Liability

Summary: Truckers and trucking companies usually have insurance coverage for their risk exposures through the use of some commercial auto insurance policy; for example, the business auto coverage form, CA 00 01 03 10; the truckers coverage form, CA 00 12 03 06; or the motor carrier coverage form, CA 00 20 03 10. These policies apply to sums that an insured legally must pay as damages for bodily injury or property damage due to an accident, and resulting from the ownership, maintenance, or use of a covered auto; these policies can be written in the name of the transportation company or the individual trucker that owns the trucks.

A problem can arise, though, when a driver, driving under a lease agreement with a trucking company, engages in non-trucking activities, such as bobtailing or deadheading. The company will most probably object to extending its liability policy's coverage to a trucker under these circumstances. This article will explore the meaning of “bobtail” and “deadhead”, and discuss insurance coverage issues.

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