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El Paso Texas Insurance Agent Flor & Associates Insurance

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bobtail insurance

So You Want To Hotshot With Your Giant Pickup Truck?

June 22, 2018 By Flor Caballero Lynch

A buddy of mine decided to become an RV Transporter since he had a nice red 2005 truck-3395788_960_720Dodge Ram 3500 and a 30 foot trailer that he could use to hotshot with (Trucker slang for hauling loads with a smaller truck). So he was telling me how he started to look around for insurance only to find how much depth there is to this part of trucking and how many different options there were!

truck-2920533_960_720He thought that he could take off his trucker hat and drive home as a private civilian after a job– but he was wrong! Since he will be under a permanent lease with his

company operating under a DOT number with this truck, he had to have at least Bobtail Insurance to get home. He had no idea that using his truck in this capacity would require him to have an unladen liability policy of $1 million.

So he bit the bullet and got himself unladen insurance, but here’s where it gets interesting: He actually was driving home from a job hauling some drilling equipment out in Odessa when a man driving an old pick-up truck smashed into his empty hotshot

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trailer, totaling it only a quarter of a mile away from leaving his delivery point! He said that at first his heart sank that his expensive trailer was trashed, but was happy that his truck was okay and that he had insurance that would cover this exact occurrence!

If he did not have insurance on his unladen trailer, a quarter mile would have separated
him from being insured versus not! Don’t let Deadheading or Bobtailing hurt you– look into your coverage options today!

By Aaron Young

Filed Under: Business Insurance, Insurance Tagged With: bobtail insurance, commercial insurance, insurance, trucking insurance

A Story: Non-Trucking Liability Insurance

June 1, 2018 By Flor Caballero Lynch

One day I saw a story of a man who hopped into his Bobtail that he drove home from atruck-2663163_960_720haul to go visit with a friend of his. He picked up his friend and they decided to go to the movies, but on his way there he was involved in an accident with another motorist that caused his life to go into a tailspin– because his insurance did not cover him while not hauling cargo, meaning he was essentially driving uninsured!

The outcome of the accident left his friend and the other driver in the hospital, with him footing the bills for months due to a simple lapse in judgment. Every single week he would receive a new bill, driving him into debt and leaving him with the thought, “Why the heck didn’t I make sure I had a non-trucking liability insurance policy?!”

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Do not let this be you. Even if you are one of the many truckers do not anticipate using their rig for non-business purposes, you should still have it just in case! Anything can happen and it’s best to always be prepared!

By Aaron Young

 

Filed Under: Auto Insurance, Insurance Tagged With: bobtail insurance, commercial vehicle, insurance, trucking insurance

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Think Insurance, Think Flor

4420 N. Mesa St
El Paso, TX 79902

(915) 996-9799
FAX: 1-866-514-3064

flor@florinsurance.com
www.florinsurance.com

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