Complete Protection — Even When You’re Off the Clock

Your truck works hard — and so do you. But whether you’re hauling loads or driving home after delivery, accidents can happen anytime. That’s why Lucilas Truck Insurance offers Non-Trucking Liability (NTL) and Physical Damage Coverage — two essential policies that protect you when your truck is not under dispatch and against damage or loss to your equipment.

Located in Bellflower, CA, we proudly serve owner-operators, leased drivers, and fleet owners across Los Angeles County and beyond. With coverage from A+ rated carriers like Progressive, Kemper, Lancer, and Southlake Specialty, we keep your business rolling safely and confidently.

What Is Non-Trucking Liability Insurance?

Non-Trucking Liability (NTL), sometimes called bobtail insurance, provides coverage when you’re using your truck for non-business purposes — such as:

• Driving home after dropping off a load
• Running personal errands between jobs
• Traveling without a trailer (bobtailing)

This policy does not cover you while you’re under dispatch, hauling cargo, or performing work-related activities — that’s covered under primary liability. But NTL fills in the gaps, protecting you during off-duty use.

What It Covers:

• Bodily injury and property damage you cause while off-duty
• Legal defense costs for covered incidents
• Peace of mind knowing you’re protected 24/7

 Without NTL, you could be personally responsible for damages during non-dispatch driving.

What Is Physical Damage Coverage?

Your truck is your business. If it’s damaged in an accident or stolen, you need coverage that pays for repairs or replacement fast. That’s where Physical Damage Insurance comes in.

This coverage protects the value of your equipment, whether you’re on the road, parked, or off-duty.

Types of Physical Damage Coverage:

1. Collision Coverage

Pays for repairs or replacement if your truck is damaged in an accident (regardless of fault).

2. Comprehensive Coverage

Covers losses from non-collision events like:

• Fire
• Theft
• Vandalism
• Hail, wind, or flooding
• Falling objects or animal strikes

3. Optional Add-Ons

• Towing & Storage Costs
• Rental Reimbursement while your truck is being repaired
• Downtime Coverage for lost income
• Gap Coverage for financed or leased trucks

We’ll customize your policy to match your truck’s value, routes, and budget.

Why You Need Both Coverages

Many owner-operators leased to carriers think they’re fully protected under the carrier’s policy — but that’s often not true. Carrier policies cover you only while under dispatch.

• Non-Trucking Liability + Physical Damage = Complete 24/7 protection

• While under dispatch → Covered by carrier’s primary liability
• While off dispatch → Covered by your NTL
• For your equipment → Covered by Physical Damage

Without these, an off-duty accident or storm could cost you tens of thousands of dollars out of pocket.

We love meeting our clients in person! Stop by our office in Bellflower or give us a call anytime during business hours.

Lucilas Truck Insurance
Phone: (562) 222-4479
Email:info@lucilastruckinsurance.com
Address: 14345 Clark Ave. Bellflower, CA 90706

Business Hours:
Monday – Friday: 9:00 AM – 6:00 PM
Saturday: By Appointment
Sunday: Closed