Every car on the road has auto insurance (Or at least should!) and with something so common in every driver’s life it becomes necessary to know about car insurance and the different types of coverages that exist out there!
In some states, you can have what is called “liability insurance”, and with this your insurance company should cover the repairs to the other person’s car if you are at fault, but in this scenario you will have to pay for your own repairs. Keep in mind these coverage plans do have liability coverage limits, so there is a limit as to how much can be paid to the other driver!
Liability car insurance is usually the cheapest option to have (Still can be expensive ifyou have a less than stellar driving record!), but there are some cases that you cannot have this type of coverage and will have to elect for more expensive coverage. For instance, if you have a new car that is financed through a bank you will not be able to have this type of insurance since the bank wants the car to be repaired even if you are at fault! But if you own your car outright, are a safe driver, and want to save some money this might be the option for you!
It is not fun driving bobtail, it’s a waste of tire tread and precious engine wear. But while driving bobtail to another job without a trailer you do not want to be in an accident that can take your rig out of commission without any insurance funds to fix it! There’s a crucial difference in Bobtail insurance and Non-Trucking Liability Insurance in that NTL does not cover you if you are traveling to another job.
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