# Automobile Liability Automobile Liability insurance provides coverage for bodily injury and property damage caused by company vehicles while operating under dispatch. It is required for all active trucks and is verified by brokers, shippers, and FMCSA compliance systems. *** ### What It Covers * **Bodily Injury** – Injury to other drivers or pedestrians caused by your vehicle * **Property Damage** – Third-party property damage (vehicles, buildings, infrastructure) * **Legal Liability** – Court costs, settlements, and legal defense for covered claims > 🚫 This policy does not cover damage to your own equipment (see Physical Damage) or freight (see Motor Truck Cargo). *** ### When It’s Required * For all trucks operating under your company’s MC authority * For onboarding with most brokers and load boards * As part of FMCSA’s minimum carrier compliance *** ### Required Fields The following fields must be filled when creating or editing an Automobile Liability policy: * **Insurer Name (required)** * **Policy Number (required)** * **Rating** * **Combined Single Limit** (per accident/aggregate) * **Property Damage** * **Bodily Injury (Accident)** * **Bodily Injury (Person)** *** ### Visual Cues * ✅ **Active**: Green tag on unit with expiration countdown * ⚠️ **Expired**: Red warning icon and blocked from dispatch * 🕓 **Expiring Soon**: Alert shown 30 days before expiration \ \&#xNAN;*Figure: Visual tags showing policy state on the truck profile.* *** ### Add/Edit Policy Modal * Required fields must be filled for validation * Truck must be selected from the dropdown (only active units) * Expiration is used to trigger policy visibility and renewal alerts \ \&#xNAN;*Figure: Add/Edit modal for Automobile Liability with unit assignment.* *** ### Notes * One valid Automobile Liability policy is required per active truck * Expired policies will disable the truck in dispatch and reporting views * Admins can update or replace policies anytime from the insurance section > ✅ Tip: Set internal renewal reminders before the expiration date to avoid losing load eligibility. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://rute.gitbook.io/carrier/company/settings/insurance-policies/policy-types-overview/automobile-liability.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.