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A state, such as New York, may pass a regulation that protects against an insurance provider from exempting the vehicle from non-work coverage, to ensure that vehicles on the road have insurance coverage whatsoever times. A trucking procedures insurance coverage does not cover crashes that occur just when the vehicle is currently supplying a tons of products. A bobtail insurance plan includes both physical injury insurance coverage and equipment damages coverage. Prior to calling an insurance policy agent, take a supply of your personal items.