Not only is he responsible for hiring safe drivers, protecting your employees other drivers on the road is important as well. Watch our video to learn more about uninsured motorists (UM) and Undersinsured motorists (UIM) coverage.
Most car accidents are caused by driver error, either following too closely, speeding, distracted driving, driving under the influence of alcohol or drugs, or any other variety of reasons. As a business owner, you have control over which is the operation of your vehicle and you should take that responsibility seriously. Do not underestimate the importance of ensuring that you hire a safe driver before allowing them to operate one of your fleet. Always an applicant signs a waiver for obtaining a motor vehicle record (MVR) before making a hiring decision. If in doubt about the acceptability of the file, send it to your agent or insurance company for approval or disapproval before allowing the applicant to drive.
If you have a fleet (five or more power units) and a good experience loss, you may experience credit on your policy. You may also be in a less expensive company (level) because of your good experience. The reality is, simply a dangerous driver to ruin all your good experience and drive your car insurance costs up. Because experience credit may involve up to four years of data, it could take years to get a credit back after a bad accident at fault.
Although not always the case, many accidents involve drivers with multiple moving violations before and / or fault accidents. Exercise your right to choose someone with a clean record before allowing them to use your assets. Would you allow someone with little or no experience operating a piece of machinery 100,000? If not, why would you allow someone who has several speeding tickets and a couple at fault accidents during the past three years to drive your new $ 80,000 truck in heavy urban traffic?
Pay attention to the age of the drivers as well. Statistically, drivers under 25 are more likely to be involved in accidents to defects. Most insurance companies will be reluctant to allow anyone under the age of 25 years to be a pilot on a commercial policy. This will be especially true if a truck weighs more than 10,000 pounds. This, too, play the question of personal vehicles being insured on a commercial policy and driven by the younger members of the family. This is obviously not the intention of a commercial auto insurance policy and should be avoided. As I mentioned earlier, just a waste of ruin that experience and jeopardize the favorable pricing on your trade policy. The family vehicles being driven by your 17 year old son or daughter should be on a personal policy.
One last point is that when the name and logo of your company is on the vehicle, it is basically a rolling billboard. If one of your vehicles cut someone out of traffic, tailgates, or hits someone, people will notice what company the vehicle belongs. It might be enough to make anyone think twice before using the services of your company. Safe drivers will help you avoid these headaches and your company will choose insurers.
The benefits described here are in the most general terms, and subject to the conditions and actual policy exclusions. For the actual wording cover, conditions and exclusions, see the policy or contact your agent.
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