Question
Is their a differance, or just symantics?
I read somewhere that they are different.
I know most companies require bob-tail but would non-trucking be better, cover more times or less.
Answer
Bobtail refers to the tractor without a trailer and is more limiting in coverage. Over the years, the term "bobtail" has stuck when talking with truckers, but the insurance industry has expanded in reaction to claims and lawsuits and developed "non-trucking liability". There are still a couple companies that write pure "bobtail", but most companies write Non-Trucking Liability.
Check your policy carefully for limitations and exclusions. Check your lease with your motor carrier to be sure you know what your insurance responsibilities are then talk to your agent and make the decision that's write for you and meets your needs.
I personally care the Non-Trucking on my vehicle. It confirms to the lease requirements and provideds the coverage I need at this time. I also carry a $1 million limit. Nothing less. When the opportunity presents itself to carry more. I will.
If you care to discuss this further, please don't hesitate to call me personally.
Answer
OK, Connie, Thank you for your answer. Another question along the same line. Can the company you are leased to require you to buy your insurance from a specific insurance company, or do I smell kick back.
Answer
Unless the motor carrier has a financial interest in your vehicle (such as you borrowed some money to purchase the vehicle), the Physical Damage is between you and the lending institution.
As for the Non-Trucking, it can be contractually mandated. If you sign a lease with a company that says you will purchase your Non-Trucking Liability from them, then that's what you need to do.
Please read your lease carefully and be sure to ask questions regarding the insurance before you sign. If in doubt, consult with your attorney. In fact, any contract including leases should be reviewed by your attorney for a legal interpretation. Financial aspects by your accountant and insurance provisions by your insurance agent.
Hope this answers your question.
Connie