Primary - Contingent Auto Liability Insurance
Auto liability insurance pays the amount you must legally pay as damages because of bodily injury or property damage caused by an accident resulting from the ownership, maintenance or use of a covered auto.
Primary Liability is full time insurance. Primary liability is required in order to activate and maintain a Motor Carrier authority. Federal motor carrier Form BMC90 or 91x is the form used to show proof of insurance. Attached to the BMC form is form MCS90 which extends coverage to any vehicle operating under said MC number whether or not the vehicle is specifically described on the policy. Form MCS 90 is in place to protect the general public but this gives the motor carrier automatic coverage on any vehicle operating under his authority. The insured is responsible for any amount paid from a claim made under the MCS 90 form.
Contingent liability policies are designed to transfer, for a limited period of time, the liability exposure of operating a commercial vehicle from the motor carrier to the owner/operator.
Non-Trucking Liability provides liability coverage while the truck is being operated for personal use outside the scope of the motor carrier's control or direction and with no economic benefit to the owner-operator or the motor carrier.
Unlaned Liability provides liability coverage while the truck is being operated with an attached empty trailer or without any trailer at all, whether dispatched
Bobtail Liability provides liability coverage while the truck is being operated without a trailer attached whether dispatched or not.or not.