Short-Term Liability Insurance for Newly Purchased Trucks
What Is Short-Term Liability Insurance?
Short-term liability is temporary coverage that lets you legally move a recently purchased truck from a dealer or auction to your home, yard, or storage. It covers bodily injury and property damage you may cause to others during that limited, non-revenue trip. It is not intended for ongoing operations or hauling freight.
Use this policy only to pick up your newly purchased truck. It isn’t valid for dispatch, for-hire loads, or routine business use.
Eligibility & Usage Rules
Available only for recent purchases to move a unit from a dealer or auction to your destination. No hauling for hire, no cargo coverage, and not a substitute for a full primary liability policy.
What It Covers / What It Doesn’t
Covers: BI/PD to others on a non-revenue drive-away after purchase.
Doesn’t Cover: freight/cargo and any for-hire operations.
Trip Only: intended for a short, defined move (dealer/lot to your location).
Who Needs Short-Term Liability?
Truck buyers – picking up a unit from a dealer, auction, or storage lot.
Owner-operators – relocating a new purchase before adding it to your main policy.
Fleets – moving extra units from lots to your yard or maintenance location.
Already have primary liability? You may be able to add the unit to your existing policy instead of buying a short-term option. If you’re leased to a carrier, confirm whether the carrier’s policy applies to the pickup trip.
How Much Does Short-Term Liability Cost?
Your price depends on duration, route distance, driver MVR/CDL, unit details (VIN/weight), and pickup/drop locations.
Key Pricing Factors
Trip length & dates
Driver’s MVR & CDL experience
Truck type/weight/VIN
Pickup & destination locations
Proof of recent purchase
Most buyers choose 1–5 days of coverage—just enough to pick up and park the truck—at a fraction of an annual policy.
Why Choose Us for Short-Term Liability?
At A Truck Insurance Agency, we make dealer and auction pickups simple—fast bind, clear trip dates, and documents your seller will accept.
Same-day coverage when possible.
Trip-specific certificates and binders.
Access to carriers that understand drive-away moves.
Guidance on transitioning to a full policy when you’re ready.
Get a Short-Term Liability Quote Today
Don’t leave the lot uninsured. We’ll get you covered for the trip home or to your yard, then help you roll into a full policy when you’re ready to operate.
👉 Call us at 908-888-0120 or use our quick online form for same-day help.