Ask the Expert:
What is the difference between bobtail deadhead and non-trucking?
The term “Bobtail Insurance” is sometimes used in tandem with “Non-Trucking Use Liability Insurance,” or NTLI. This is the type of coverage provided to an owner operator when s/he is not under dispatch to the motor carrier. In the event of an accident or damage, the NTLI would respond to the claim rather than the driver’s primary auto liability insurance. These terms essentially describe the same type of coverage, which protects your truck when it’s not on dispatch (i.e. during repairs, moving to a new address, having your truck detailed, etc.).