A policy of non-trucking liability coverage generally applies when a vehicle is being operated for a non-trucking use. If a driver is operating a vehicle in the business of a motor carrier then the motor carrier's commercial liability policy typically applies. If, on the other hand, the truck is being used for a purpose other than to transport the property of another for hire, then the non-trucking liability coverage usually covers the exposure.
This article does not reflect an exhaustive list of cases on the application and exclusion of non-trucking policy, but it presents various cases and fact patterns from different jurisdictions across the United States in both state and federal courts which have considered this issue.
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