Owner-operators are required by their motor carrier to have special coverage

Owner-operators can be defined as independent drivers that take part in the transport of goods and freight. At times, they are required to make trips with or without dispatch. Owner-operators, as well as leased contractors working for commercial motor carriers must have bobtail insurance. For the sake of clarification, bobtail insurance is a policy specially designed for those who drop a load or trailer at one location and drive to another location to pick up the trailer. When an independent freight transport driver works for a motor carrier, all sorts of questions come up regarding insurance. Having the right type of coverage can greatly improve business relationships. 

Illinois commercial truck insurance requirements 

In the United States, trucking insurance laws vary from one state to another, which is why it’s necessary to make sure that the policy you purchase complies with the laws of your state. The Federal Motor Carrier Safety Administration and, most importantly, the state of Illinois have specific requirements for semi-trucks. More exactly, primary liability coverage is mandatory, while bobtail coverage is optional. Nonetheless, it’s recommended to take out bobtail insurance, not just because it’s mandated by the motor carrier, but because it offers complete protection against any liability that might arise from a road traffic accident when the truck is without cargo. 

According to Illinois state law, it’s necessary to maintain a minimum amount of liability insurance. How much every owner-operator needs depends on what freight is being pulled and where it’s being shipped. Regardless of the type of operation, it’s advisable to reach out to specialized insurance providers. Descriptions of companies are available online. Finding the best insurance carrier can result in considerable savings. The average bobtail insurance cost in Illinois is approximately $78 a month, or $936 a year. The good news is that independent freight transport drivers with a permanent lease to a motor carrier pay less out of pocket. 

Motor carriers can’t escape responsibility for leased vehicles or borrowed truckers 

There are several regulations to comply with when leasing a vehicle from an owner-operator to transport goods and freight. These laws are set in place to protect the public from inappropriate conduct of reckless drivers. The motor carrier is responsible for the truck and the incidents it might give rise to. The federal law doesn’t allow motor carriers to escape responsibility. They can’t attribute blame for their circumstances to anyone else. The trucking company is obliged to obtain liability insurance on the leased vehicle, inspect it, and promote safe driving. 

As mentioned earlier, there are times when the semi-truck isn’t attached to the motor carrier’s trailers. Equally, it might not be operating under the instructions of the motor carrier. This is referred to as bobtailing. Due to their great size, semi-trucks can cause disastrous injuries when they become involved in collisions. Without the added weight of the freight to push the tires down, the wheels lose traction and the vehicle slides out of control. It doesn’t, therefore, come as a surprise that motor carriers require independent freight transport drivers to have special coverage.

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