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Non-Trucking Use (NTU) Liability Coverage

Classic Truck Insurance provides a unique policy for owner operators who lease their equipment to motor carriers on a long term basis.  Most lease agreements make the motor carrier responsible only when operating on their behalf or within their business.  Non-Trucking Use coverage is designed forthe protection of independent truckers when they are not working under lease to a motor carrier, under dispatch of a carrier, or carrying property in any business.

At one time this was called Bobtail or deadhead liability.  However, those two terms can also be used to describe normal operatons on behalf of the carrier.  An example would be an owner operator finishing a delivery and being dispatched to bobtail or deadhead to pick up another load.  Non-Trucking Use is a better generic title for the actual coverage an owner operator is buying.  Non Trucking Use exposures begin when an owner operator signs off duty, and coverage ends when the owner operator leaves to pick up a load.

For example,a situation may occur when a driver takes his tractor to be serviced while home and runs a stop sign, hitting a car.  Liability coverage would be provided for hte bodily injury and property damage the driver caused.  NTU liability excludes an owner operator doing any hauling of property, not just for the motor carrier.  As such, it would also exxclude coverage when using the insured unit to help a frieng move their business.


These coverage's are also available

  • Auto Medical Payments
  • Uninsured or Underinsured Motorist Coverage
  • Personal Injury Protection
  • Physical Damage

Optional coverages available 

  • Motor carrier deductible reimbursement for damaging property if part of the lease agreement
  • Rental reimbursement coverage to pay for renting a replacement if hte insured tractor is down because of a covered loss
  • Electronic equipment coverage
  • Commercial General Liability
  • Financed Value Coverage
  • Lease Value Coverage