Tag Archive for: Distracted Driving

Webinar Replay #58: Employer Traffic Safety Programs Our Driving Concern
Infinit-I September 2023 Catalog & Video Release
August 2023 Catalog & Video Release
What Leads To Distracted Driving Events?
The Cost Of Smaller Truck Accident Settlements And Verdicts
Commercial Driver Safety Training
Distracted driving: What drivers who crash are looking at
55 Things We Learned from an Expert Insurance Underwriter

Insurance premiums and renewal rates continue to be one of the biggest expenses incurred by trucking companies. Rates have increased exponentially in recent years due to accident frequency, truck driver shortage, and the ever-present threat of nuclear verdicts. But, we are here to help. We set out to learn about the underwriting process including:

  • Assessing a Trucking Company
  • Premium Increases
  • Technology Factors
  • COVID-19 Impact
  • Safety Culture Influence

Download your free eBook from Infinit-I: Avoiding Nuclear Verdicts

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We interviewed Tony Hoff of Napa River Insurance about the underwriting process for trucking company insurance assessments. He gave the most interesting and data-packed presentation I have ever seen! I could barely keep up with all the notes.

Infinit-I Workforce Solutions presents: 

55 Things We Learned from an Expert Commercial Auto Insurance Underwriter.

Underwriting Process


  1. Fleet managers and front-line operations are the ones who must maintain the safety culture with the drivers. If they are not ‘singing the safety tune,’ no one is.
  2. Operations MUST believe in safety culture and live it every day. It is a continuation of the top-down culture that insurance underwriters take into consideration.
  3. Underwriters will not convince you that safety culture is important. You should already be living it.

“Safety is doing the right thing for a long time.” – Tony Hoff, Napa Valley Insurance

Industry-Wide Premium Increases


  1. 15-20% Increase in premiums across the industry without a horrendous loss. If you have incurred large losses, you can expect more.
  2. Underwriters consider 5 years of data history.
  3. Excess limits are more costly and difficult to fill. They are not priced to have a loss every single year.
  4. Results in commercial insurance carriers leaving the market because they can no longer afford to write commercial auto coverage.
  5. Capacity is on a steady decrease as insurance carriers leave the market. When you lose money from a loss standpoint, you don’t want to underwrite anymore.

COVID-19 Effects on Insurance


  1. In the beginning, COVID-19 slowed everything down in the commercial auto insurance market.
  2. Initial reduction in claims due to:
    • Less congestion on roads
    • Increased productivity
    • Fewer losses
    • Decreased accident frequency
  3. The trucking industry rebound has led to more claims due to the resurgence of traffic, congestion, and sudden backups.
  4. Speeding is OUT OF CONTROL!!! Unsafe Basic scores are rising across the board.
  5. “Accident rates are increasing at an unprecedented level. We need to slow these drivers down.”

Premium Increase Factors


  1. Everything is more expensive. (Claims frequency and amount, medical coverage, defense attorney fees.)
  2. Insurance companies are seeing losses where their vehicle never touched the insured truck but are still paying out.
  3. Plaintiffs are getting better at what they are doing. Ten years ago, they did not even know what a CSA score was. Not they could teach you about CSA.
  4. There is a lot of uncertainty in trying cases. Settling may be cheaper than going to court (fees/attorneys) even if you were clearly not liable.
  5. Loss development – the longer the claim is pending, the more it costs.

“A 300% increase in 6 years is dramatic. It is unsustainable. Something has to give. Who is it going to be?”

What You Can Control


  1. Know the process – know what steps of underwriting consist of.
  2. Underwriters who have time to thoroughly vet the submission feel more comfortable writing.
  3. Strongly suggest you shop early. Get ready at least 3 months before renewal. Have your documents ready.
  4. If you are going to shop with more than one broker/carrier, have a standard submission-ready.
  5. Know where you stand. Is my expectation to get a decrease? Or do I want to manage my increase?
  6. (Loss Ratio + Incurred Total Loss) / Your Premium. If you are over 65%, your insurance carrier is losing money.

Safety Culture


  1. Online continual training is key in proving your commitment to safety.
  2. Look at your drivers’ attitude. Do they accept responsibility? Are they willing to learn?
  3. It is absolutely crucial to have a remedial training program. Find drivers’ weaknesses and coach them.
  4. Insurers look at loss development, are you trending in the right direction. If you have a stellar loss history, a new loss may not significantly affect your premiums.
  5. Find the carrier that you enjoy doing business with and then figure out the pricing.
  6. Put some faith behind your trusted safety program. Invest in yourself.
  7. Let Underwriters know what makes you “Best in Class.”
  8. Be prepared for renewal, provide a packet with the following documents:
    • Financial documents and review
    • Loss History
    • Insurance History
    • Profile of Operations
    • CSA Roadside Results
    • Reportable Accidents not on Loss Run
    • Onsite Loss Control Survey

Be a Real Partner


  1. Solidify a business relationship with your Insurance Partner.
  2. You can get a quote from anywhere, be engaged.

Technology


  1. Track everything. You can’t know where you are trending unless you can track it:
  2. Turnover, Retention, Ops Performance, CSA Scores, Driver Safety Performance, Loss Trends, Accident Costs, Recordable Accident Rates, Total Accident Rates, Insurance Costs
  3. Benchmark yourself and maintain accountability.
  4. Find out what metrics are causing your losses and attack those.
  5. Use front end data to make back end decisions.

“Safety Professionals who make future decisions based on past results and analysis are the most effective. BE PROACTIVE.”

  1. “Every lawsuit involves being able to produce documents quickly. “Have you trained your drivers? Can you provide the documentation that you’ve trained your drivers?” Camera/online training combination can take a nuclear verdict and knock it out of the courtroom.” – Mark Rhea
  1. The greatest myth in trucking is that safety is too expensive. The advanced technologies that are now in place are a game changer in the industry. Technology is embraced by insurance companies because it gives us a claims “edge” that we otherwise would not have.
  1. Onboard cameras and collision mitigation are proven to influence courtroom decisions. BUT it only makes sense if you are willing to act on the data. You will need to have policies in place before you utilize these technologies.

Addition Tips from the Underwriter


  1. We will look at how many times you have switched insurance carriers in the past.
  2. If you have favorable loss history that extends beyond 5 years, and then have a bad year, it will come up at renewal. You need a relationship history with your insurer.
  3. Be 100% honest about what kind of carrier you are and what makes you the best.
  4. Bring to renewal: What do we do best? What do we need to do better?
  5. Have Best Practices in place, not the easy out. (PSP, Long-form physicals, etc.)
  6. Invest money in the onboarding process. Invest in your training.
  7. 10% of drivers cause 90% of your problems. Get them in and coach them before we lose them.
  8. Reporting the issue is huge! We track day loss happened vs. when it was reported to us.
  9. 3 things that will result in plaintiff verdict:
    • Leaving the scene of an accident.
    • Failure to report an accident.
    • Positive drug test after accident.

Insurance Take-Aways


  1. 2021 will continue to be a very challenging year from an insurance standpoint.
  2. Losses are up and so is speed. Slow your drivers down.
  3. We are living in different times and we need to adjust.
  4. What makes you an exceptional risk? Can we fix those areas that are not exceptional?

“Safety Culture = Commitment. If everyone in your organization stays committed, you WILL succeed.”

Get Your Insurance Questions Answered!


MCIEF Founder Tommy Ruke is Ready to Answer Your Most Pressing Insurance Questions. 

Learn Real Solutions to Your Insurance Problems. 

Infinit-I Workforce Solutions has partnered with the Motor Carrier Insurance Education Foundation (MCIEF.org) to help you get your insurance questions answered. Infinit-I and MCIEF have joined together to provide access to “Ask Tommy”.

This is a service provided to MCIEF members, but it is being opened up to Infinit-I visitors to give you the opportunity to ask your most pressing insurance questions.

Free Expert Transportation Insurance Advice

TOP 5 SURPRISING WAYS LAWYERS ATTACK TRUCKING COMPANIES

Every trucking company knows the risk involved with hauling an 80,000 lb. machine down the highway. Don’t feel hindered, however, by the mountain of liabilities. Simply be prepared. Below are the weaknesses that prosecuting attorneys will try to take advantage of in the event of an accident.

Driver Fatigue

Every decent truck driver knows to pull it over when they are feeling tired. They know the risks of driving while fatigued. But how often do they actually pull over when they should?

Truckers juggle many pressures while on the road: Traffic congestion, highway construction, dispatcher’s expectations, etc.

Take a look at these messages between a truck driver (grey) and their dispatcher (blue):

Driver Fatigue

A good dispatcher would see the warning signs. The driver didn’t sleep well last night. This dispatcher should have asked about the driver’s ability to safely perform that day. Instead, the dispatcher was concerned with their own performance. Perhaps, feeling the pressure from their own manager. The conversation continues below.

A good dispatcher would see the warning signs.

The driver has now admitted to being fatigued, asked to pull over, and coerced into rolling anyway. The driver could nod off again, injuring or even killing themself or other innocent bystanders.

This conversation is now recorded and creates the kind of paper trail that prosecuting attorneys love. They would use this conversation to prove to a jury that your company chose to further the load over the safety of the public.

A delicate balance must exist between management, dispatchers, and truck drivers. Each must be aware of and truly understand mounting pressure and weighing the risks. While is it is a fine goal to want every load delivered on time, it should not be achieved at the expense of safe driving.

Distracted Driving

Distracted driving can take many forms. According to the CDC, distractions are categorized as visual, manual, and cognitive.

Distracted Driving

Driving an 18-wheeler takes intense focus and coordination. Any of the things listed above could bring about a life or death situation for your driver or the people around them.

Train your fleet not only the signs of distracted driving, but they should also be aware of the potential outcome severity. Visual demonstrations can be assigned fleetwide to prove the importance of maintaining proper attention to the road.

Let’s say your driver is eating a big, greasy cheeseburger while driving down the highway.Let’s say your driver is eating a big, greasy cheeseburger while driving down the highway. After driving over a small pothole, the driver drops a pickle on the tractor seat. The driver leans over to place the burger onto the passenger seat and begins the pickle search.

At the same time, traffic up ahead has abruptly slowed, causing some cars to swerve or pull on the shoulder. When your driver finally finds the pickle and returns their eyes to the road, it is too late. The driver locks up the breaks, jackknifes the trailer, and bumps into 4 cars that were leading the way.

In a scenario where your driver has an accident due to distracted driving, an attorney will look for any reason that it was the company’s fault. In the event of a lawsuit, the prosecuting attorney will consider:

  • – What policies do you have in place?
  • – Cell phone usage while driving
  • – Eating meals/snacks behind the wheel
  • – Volume restrictions on the radio
  • – Have the drivers been properly trained on these policies?
  • – When was the last time a driver was trained/re-trained on this topic?

Driving Under The Influence

Driving under the influence of drugs or alcohol is a crime whether a truck driver or civilian, 18-wheeler or 4-wheeler. Truck drivers, however, hold much more responsibility. The more you communicate with your employees about your drug and alcohol policy, the more likely you are to be protected in court.

Pre/Post-Trip Inspections

A proper pre-trip inspection is the ultimate proactive measure a driver can take. If your drivers aren’t properly trained, it might be difficult to spot a faulty brake line, damaged mud flap, or a loose lug nut.

Inexperience or Improperly Trained

A proper post-trip involves over 50 points of inspection. Expert drivers might be able to recite all the inspection points from memory, but that skill should not be expected. Provide all your drivers with DVIR checklists. Since these are required to be on file for 90 days, you should require your drivers to fill one out every day, for every load, even if it passes inspection.

Inexperience or Improperly Trained

Perhaps the most important base to have covered. Do you drivers know how to avoid accidents? Do you drivers know what to do in the event of an accident?

You probably have policies in place that explicitly instruct drivers what to do if they get into an accident. Our recommendation is to send this policy out to your fleet at least once a quarter. Test them on the material. Require their signature. Your attorney will easily establish your credibility if you have these documents available.

Review the Webinar

Infinit-I Workforce Solutions presented an exclusive webinar in late July featuring Attorney Peyton Inge. Peyton specializes in defending trucking companies after an accident occurs. You can review the past webinars as well as the rest of the FastForward series.

Get your free training management demo. Infinit-I Workforce Solutions will protect you in a courtroom. Give us 30 minutes to show you how.

Free training management demo

GEARING UP FOR SAFE DRIVER WEEK

The Commercial Vehicle Safety Alliance (CVSA) is an international effort between industry participants, focused on improving roadway safety. They maintain efforts to educate all drivers in several categories, including International Roadchecks, Brake Safety, Hazardous Materials, etc.

The Operation Safe Driver Program was created by the CVSA to bring awareness to the significance of proper driver behaviors.

Commercial Vehicle Safety Alliance (CVSA) Operation Safe Driver

Safe Driver Week takes place July 12-18 this year with speeding as the main target. Officers will especially be looking for drivers who are operating at excess speeds. Last year, over 17,500 speeding tickets were issued to commercial and passenger vehicles during the weeklong blitz.

Last year during the same week, CMV drivers received more speeding tickets than the following, combined:

  • – Failure to Wear a Seatbelt
  • – Using a Handheld Phone/Texting
  • – Improper Lane Change
  • – Possession/Influence of drugs or alcohol

Last year during the same week, CMV drivers received more speeding tickets

Why is it important?

Most accidents involving a CMV are caused by driver behavior, but most often, it wasn’t the trucker’s fault. With crowded highways, speeding four-wheelers, and governed big rigs, traffic accidents are inevitable. Proper training and awareness can significantly reduce the likelihood of an accident involving you or your drivers.

Speed-related issues cause 9,378 crash fatalities in 2018.

Late won't kill you, Speeding will. Operation Safe Driver Week

9,378 people are dead because someone was driving too fast. Excessive speed is always avoidable and always unacceptable.

No load is worth your life or the lives of others around you.

What are we doing?

Infiniti Workforce Solutions is sponsoring an exclusive webinar for all safety personnel. We will be discussing CVSA’s Safe Driver Week focused on speeding. Three industry experts will be giving best practice advice to help you prepare your fleet.

Here’s the lineup of guests:

-Mark Rhea, Industry Consultant, Infinit-I Workforce Solutions

-Chris Turner, Director of Crash and Data Programs, Commercial Vehicle Safety Alliance

-Major Chris Nordloh, Commercial Vehicle Enforcement Coordinator, Texas Department of Public Safety

If you want to be proactive during the weeklong blitz, do not miss this webinar. Registration is free. Sign up here.

Infinit-I Workforce Solutions is offering a 30-Day Complimentary Trial to new users.

Infinit-I Workforce Solutions is offering a 30-Day Complimentary Trial to new users.

Absolutely free, no-obligation. Because 30 days is more than enough to prove our value.

And if not, you’ve had access to transportation’s #1 learning management system for free. No cost, whatsoever!

Here’s what you’ll gain:

Automatic Documentation – A rock-solid LMS that captures training and tests your employees on what they learned

Content Library – More content than any other transportation LMS. 850 training videos.

Unmatched Service – Dedicated Client Success Rep who works for you.

Enhance your safety culture today, click here to learn how.

Additional Resources:

7 New Social Responsibilities of Truckers; COVID-19 + July 4th

Out-perform, Out-shine, and Out-grow your Current Safety Culture

Why A Positive Dispatcher & Driver Relationship is Key

Why You Should Be Focused on Your Employee’s Cultural Relationships Now More Than Ever