Non Trucking Liability Insurance Tacoma

Non Trucking Liability Insurance Tacoma – Great Rates and Quality Coverage! 

For quality coverage and excellent rates on Non Trucking Liability Insurance in Tacoma WA, there’s no better agency to contact than Duncan and Associates Insurance Brokers!

Find out how much you may be able to save by calling us today at 1-800-228-8291 before 5 PM, or by requesting a free quote through one of the links listed here:

Tacoma Non Trucking Liability Insurance – Insurance Scenario Part 7

Previously, in Part 6 (Non Trucking Liability Insurance Tacoma), we learned that Bernie’s insurance company denied coverage for the total loss of Bernie’s truck.

To recap, we looked at two alternate claim scenario timelines.

In the first timeline, Bernie drives his truck to run some errands on his day off. In a strange turn of events, he ends up driving onto freshly laid parking lot blacktop which ultimately results in his truck catching fire and exploding.

In the second timeline, Bernie receives a phone call from his friend, Frank. Frank offers to split the earnings from selling a bunch of expensive furniture he acquired on the cheap, but only if Bernie can transport the merchandise in his semi-truck.

In the grocery store parking lot scenario, the loss of Bernie’s rig was covered by his Washington Non Trucking Legal Liability insurance, which is designed to provide coverage for a commercial truck while not being driven under the liability protection of a transportation company.

In other words, it’s designed to cover the truck for personal uses, such as running errands.

So why, then, is Bernie not covered in the furniture scenario? Isn’t helping a buddy move some furniture the same as running to pick up some food from the grocery store?

When it comes to insurance, the details that differ between the two situations make all the difference in the world.

The key difference here is that, in the second scenario, Bernie is using his truck for the purposes of fulfilling a business arrangement from which he expects to receive payment or compensation.

It doesn’t matter whether the amount of compensation earned is small or a huge payday for Bernie; he was using his semi-truck for business purposes while not under the authority of the motor carrier he works for.

This act nullifies his non trucking liability coverage. If he had instead purchased regular primary liability Bernie would have been in the clear for the claim with the appropriate cargo coverage added.

As we’ve shown in previous articles, Bernie’s grocery store accident unfolded while the truck was being used for purely personal use.

Non Trucking Liability Insurance Tacoma – Have Further Questions? Give Us a Call!

We hope these scenarios have been useful. If you have further questions about the applications of WA Truck Insurance Policies, feel free to call us any time during office hours.

And remember, you can request a free quote via our online form 24 hours per day by clicking the appropriate option below:

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Owner Operators

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Bobtail

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