The Latest Stats in Trucking

Have you taken the chance to review the Pocket Guide to Large Truck and Bus Statistics for 2015? This handy guide is released yearly by the FMCSA and gives those working the transportation industry an insightful look into the state of the industry. If you haven’t yet had the opportunity to check it out, we’ve pulled out a few of the statistics we found most interesting.

Trucks Carry a Big Majority of Our Nation’s Freight

It’s no secret to those working in the transportation industry, but without trucks, nothing would move. In 2012 trucks carried 70.2% of the total weight of freight moved across the U.S. Air (0.03%) and rail (11.1%) can’t even come close to competing with those numbers.

Large trucks accounted for 9.2% of all the 2,988.3 billion vehicle miles traveled in 2013 for a total of 275 billion miles traveled. There are more than 10.5 million large trucks registered in the U.S. (8,126,007 straight trucks and 2,471,349 tractor-trailers).

Seat Belt Use on the Rise

Seat belt use by large truck drivers is on the increase. In 2012, 74% of flatbed drivers wore seatbelts, but in 2013 that number increased to 82%. These increases are exciting, but we hope to see even higher numbers in the next report. If your truck is rolling, you should be wearing your seat belt. The percentage of drivers involved in fatality crashes without a seatbelt has been dropping considerably, down from 14.9% in 2005 to 9% in 2013.

Roadside Inspections… Everything You Need to Know

Make sure you read the section on inspections. There’s a great map that highlights the number of inspections performed by county (hint… California is a big state for inspections) and valuable information about the most common violations (log violations topped the chart). The information in this section can help you ensure that you’re not making common mistakes so you’re ready for your next inspection.

Fatal Crashes Statistics from 1975 to Now

Although fatal crashes involving large trucks have been on the rise the last couple of years, they are still much lower than they were in the 1970s and even in the 1980s. In 2013 there were 3,541 fatal crashes involving large trucks, fewer than the number of fatal crashes in 1975 with almost double the number of registered trucks. Clearly the changes that have been made from then until now have brought about positive change in trucking safety. What changes can we still make to ensure the roads are a safer place for all of us?

Take some time and orient yourself with this valuable information today.

All of these items, and more, can save you valuable money on your insurance. If you have questions on how you can apply this information to your risk management practices, give us a call and remember… Travel with Care!

Navigating CA CARB Regulations- 6 Essential Resources

If you drive a tractor-trailer in California, you’ve likely heard about the new regulations from the California Air Resources Board (CARB). The new environmental regulations have been slowly taking effect over the last several years and are now starting to impact small fleets and solo drivers. If you aren’t yet impacted by CARB regulations, you soon will be.

These regulations are complex and varied. The Gross Vehicle Weight Rating (GVWR) of your vehicle, the size of your fleet, the type of trailer you haul, and even where you drive (like ports and intermodel rail yards) impact which regulations apply to you and when they start applying.

To help you wade through the confusion, we’ve prepared a list of helpful resources to help you better understand the CA CARB rules. Keep checking back on our blog as well. We’ve got posts in the works to help you understand the changes so you can… Travel with Care.

·         Which Regulations Apply to You?– Are you confused about which regulations apply to you? This helpful questionnaire from the CA Air Resources Board will prepare an easy list of regulations based on your answers to 3 simple questions. If you have 5 minutes, you can quickly check out which regulations apply to you.

·         Take a Class– If you learn better in person, take a class. There are several classroom training courses available. Many of the courses (all of the ARB Compliance Training Courses) are free to take. Some are offered as webinars; if you have a computer and internet, you can attend wherever your next load takes you and you can even find archived webinar recordings for some of the courses. Checkout the complete list of available courses (click on the course title to see dates, times, and other registration information).

·         Watch a Video– While you’re waiting for that next load (provided you’re in a safe location of course), take a few minutes out to watch a short video on the CARB regulations. You’ll find a variety of informative videos on the ARB TruckStop official YouTube page.

·         Read a Summary– One of the best summaries of the regulations can be found here. It doesn’t cover everything, but it’s a great place to start.

·         Learn the Penalties– Do these new rules really matter? Check out the list of penalties if you don’t comply.

·         Get Help– Sometimes you just can’t find all the answers you need online. If you need personalized assistance, complete the Diesel Assistance Form and you can receive a reply by phone or email. You can also call in yourself at 1-866-6Diesel. Calls are answered between 8 and 5 Pacific Time Monday-Friday and a 24 hour voicemail system is available.

The CA CARB rules are confusing, but if you drive in California, you do need to learn them. Take a few minutes today and start looking at these resources so you can be in compliance.

 

A New Addition to the Western Truck Insurance Services Family

Western Truck Insurance Services and Sentinel Financial are pleased to welcome TNT Insurance Services to their family. This addition will help us bring superior insurance value to our customers from coast to coast. We merged back on May 1 of this year and have been busy, busy, busy getting everything integrated.

These changes are very exciting for us and as our customers, exciting for you too. Let’s take a quick look at the specialized care and services we can now bring you at Western Truck Insurance Services.

·         More Experience– If you need experience to help you navigate through the rocky terrain of trucking, we’ve got it in spades. Together Western Truck Insurance and TNT Insurance have over 300 years of experience. We have the knowledge, skills, and expertise to help you.

·         New East Coast Offices– TNT Insurance is based out of Tampa, FL. We now have an east coast office ready to serve you. We are now here to help 12 hours a day so there’s always a convenient time to get the insurance or service you need.

·         Expertise for Towing Operations– TNT specializes in tow truck and truck insurance. This brings us enhanced expertise for clients with towing operations. TNT’s strong relationships with many tow insurance companies helps us to expand our reach and bring you more insurance offerings.

·         Personalized Service You Can Depend On– Do you need help with your FMCSA, registration, or filings? This new partnership doesn’t change any of the personalized services you’ve come to love from Western Truck Insurance Services. If anything the addition of new helpful staff will help us to serve you better.

·         No Fleet Too Large or Too Small– From an owner operator to a fleet with hundreds of trucks, we are ready to help and serve you. Western Truck Insurance is licensed in 19 states. We know that no two trucking operations are the same and can accommodate anyone from local drivers to nationwide truck drivers.

Let’s give a warm welcome to our new friends and partners from TNT Insurance. We look forward to the future and continuing to bring you the high quality insurance you’ve come to expect. Let us worry about your insurance so you can focus on the road.

Occupational Accident- Who Will Pay Your Medical Bills If You Get Hurt On The Road?

When you get hurt at work, Worker’s Comp comes to the rescue covering medical bills, rehab expenses and more. This important insurance coverage is paid for by your employer. However, in an industry like trucking where many are self-employed owner operators or lease operators, a work injury can prove disastrous. Who pays for your medical bills if you don’t qualify for Worker’s Comp and are hurt at work? How can you protect yourself and your family?

Worker’s Comp- How Does It Work?

Worker’s Compensation is a special state regulated program designed to protect employees and employers alike. Employers purchase work comp insurance which is used to pay for lost wages, medical care, etc. should an employee get hurt on the job.  That insurance  protectsemployers from lawsuits and provides for the injured employee and their family.

While Worker’s Comp policies are often required for employers, they are rarely required for self-employed people or independent contractors. This means a great number of truckers are unprotected when it comes to workplace injuries. Those looking at policies for themselves are often unable to obtain coverage or may find the rates to be out of budget.

Transportation inherently carries a lot of risks. You can be injured while tying down a load, slip and fall on icy pavement or fall while climbing in to your truck’s cab. Injuries can happen at jobsites, pick-ups or drop-offs and anywhere in between. Being on the road puts you at an increased risk for vehicular accidents. Just like any job, working in transportation has its risks. If you are an owner operator or a motor carrier with lease operators, you may want to consider purchasing an insurance policy to protect yourself.

Occupational Accident Coverage

While owner operators and lease operators often are unable to obtain Worker’s Comp insurance, they do still have options. One popular and affordable choice is occupational accident coverage. These policies often provide similar protection to a Worker’s Comp policy, but are available to those working for themselves or that have independent contractors working for them.

Every policy is different, but many occupational accident policies cover things like:

·         Accidental Death or Dismemberment

·         Survivor’s Benefits

·         Medical Expense Benefits

·         Disability Benefits (Temporary or Continuous)

·         And More.

We can help you find a policy that works for your situation and budget. Let our knowledgeable staff help you better protect yourself and your family. When accident strikes, we want you to be able to pay your medical expenses, bills and recovery costs.

If you get hurt on the job, are you protected? Let us help you find the occupational accident policy you need.

SMS and SAFER Scores: An Introduction

The importance of safety in trucking can’t be overstated. Your life and the lives of others depend on your ability to safely get from Point A to Point B or anywhere else you may travel. Safety records, like your SMS or SAFER scores, help measure adherence to important safety practices. These scores provide an important snapshot into your safety record and can have a big impact on your insurance rates.

SMS vs. SAFER

SMS stands for Safety Measurement System. It is an on-road safety and performance measurement system utilized by the Federal Motor Carrier Safety Administration (FMCSA). The system was designed to change and adapt as new technologies and measurement guides are established. It is updated regularly (keep updated about any changes by checking the FMCSA website). Check SMS reports here.

SAFER stands for Safety and Fitness Electronic Records and is a system that provides safety information to both the trucking industry and the public online. You can search company safety snapshots free of charge using a company name, DOT number or MC number. Snapshots provide basic information about inspections, violations and crashes. More detailed information is available for a free by requesting a SAFER company profile.

How Are Scores Determined?

Both SMS and SAFER measure and report safety violations, but they do so a little differently. For example you are able to access a great deal of information about motor carriers and their violations for free using the SMS search option. You can find out not only how many violations are on a record, but also the specifics of these violations. SMS rates violations by severity. A parking violation might carry a weight of one while a more serious violation like inadequate brakes will be more serious. On the other hand SAFER only provides basic information in its free carrier snapshots.

Any time a violation is reported it leaves a negative mark on your record that can be seen by potential clients, employers, insurers, etc. Safer drivers are more appealing and a smaller risk and in turn will typically receive lower rates on insurance. Too many violations can result in penalties, fines and investigations.

SMS reports include information in a variety of BASIC categories including:

·         Unsafe Driving

·         Hours of Service Compliance

·         Driver Fitness

·         Controlled Substances and Alcohol

·         Vehicle Maintenance

·         Hazardous Materials Compliance

·         Crashes

How to Check Your Score

Knowing what your reports look like is essential to protecting your safety reputation. Motor carriers should regularly check their reports for accuracy. Keeping safety on your mind and striving to have a clean safety record will help you to improve your driving and possibly even lower your insurance rates. You can check your scores online from the FMCSA website. Check SAFER reports here and SMS reports here.

Correcting Errors

As you check your reports look for errors. The SMS results are based on state reported crash and inspection data. If you find an error you can report it using a portal known as DataQs. You can report errors or concerns for investigation.

Here at Western Truck Insurance Services we want you to Travel with Care and that means driving safely. Not only will safe driving help you save money on your insurance, it will also help you to make it home safely after a long journey on the road. Keep checking back and future posts will teach you some tips for improving your safety scores.

Protecting Your Business is Serious Business

Work Related Accidents Impact…

  • You and your net worth
  • Your time and focus
  • The company you have built and its Stakeholders
  • Employees and their families
  • Lease Operators and their families

Risk Management is Mission Critical

  • What happens if an employee sustains a work-related injury or worse?
  • What happens if a lease operator sustains a work related injury or worse?
  • How is your exposure as a business owner different in each scenario?

Lease Operator

The Exposure…
The reality of occupational accident exposure is that if Lease Operators do not have coverage, then a serious injury will result in a claim made to the Motor Carrier’s workers compensation policy. Successful or not, you can count on the claim being made.

The Facts…
Occupational accidents and injuries can have devastating effects on an organization without proper protection.  If there’s enough money involved, personal injury lawyers will challenge the financial responsibility of all involved parties.  The related legal defense costs alone can severely impact operating profits and even drive many businesses into bankruptcy.  The coverage to reduce the exposure is both prudent and affordable.

What are the options?

Option #1:
Leave everyone exposed to a “parade of horribles.”

Option #2:
Agree that your lease operators are statutory employees and enroll them in your workers comp plan. This is the most expensive solution and may cause you to absorb the full onslaught of accompanying payroll taxes (perhaps even retroactively).

Option #3:
A Group Occupational Accident Plan for your lease operators allows you to pass through the related costs to them at a group rate, protecting them with 24/7, 48-state coverage, including survivor benefits, and defends your independent contractor agreement with them. Moreover, if you lose in a challenge by a court of law or workers comp review board, the Occupational Accident policy for the injured lease operator can be designed to convert to a ‘full blown’ workers comp policy and eliminate your company’s related contingent exposure.

Key GAIC Advantages for Lease Operators

  • Coverage limit issues, i.e., Plan A, B, C, or D;
  • Commencement Period
  1. GAIC gives 90 days to report a claim, treatment can begin when necessary
  2. Competing policies say treatment must begin in 90 days
  • Sub-limits: e.g., most competitors have $ 1,000 max limits for chiropractic care, ambulance or air flight, physical therapy, & other rehab treatment GAIC does not impose the sub-limit Accidents must be reported within 90 days, benefits can begin immediately upon reporting or at any time thereafter, and are not subject to a 90 day commencement period…and Accident benefits include dental where most competitors do not
  • When a $ 2mm CSL per occurrence aggregate for any one accident is selected, $ 1mm is set aside specifically for medical expenses, & $ 1mm for death, disability, & rehabilitation.
  • GAIC assigns a Nurse Care Manager to help insured deal w/ Psycho-Social issues
  • Temporary and Long-Term Disability Income benefit is based on Schedule C income and retro to day 1 (most competitors impose a 7 day grace period) and applies to the definition of “Under the course of doing business,” which includes maintenance, cleaning, & other misc activities…so coverage is not limited to just driving and loading/unloading
  • The $ 1mm maximum accident medical benefit is annual, not a lifetime one
  • Death benefits apply if death occurs within 2 years (instead of just 52 weeks) from the accident

Important Coverage Points for Fleets

  • Major point:  to keep personal injury attorneys away and adverse decisions from workers comp review boards, fleets need to offer the most broad occupational accident coverage available
  • GAIC does not impose Aggregate Limits on the Group Policy as do competitors…if a fleet has 100 drivers, each with $ 2mm Aggregate Limit, then GAIC’s exposure is $200mm.  A competitor will attempt to sell the same deal but put a $ 5mm or $ 10mm aggregate “stop loss” limit in
  • Average length of disability with GAIC is 29 days, which is 9 to 14 days shorter than before the Nurse Care Manager benefit was introduced.
  • Any expense not covered is a potential black hole liability
  • GAIC’s policy limits are generally higher than competitors
  1. Accidental death benefit pays $ 50K more ($ 300K vs $ 250K), i.e., the $ 2000/month survivor benefit pays for 125 months instead of just 100 months
  2. Accidental Dismemberment pays $50K more ($ 300K vs $ 250K)
  3. Paralysis benefit pays $50K more ($ 300K vs $ 250K)
  • Contingent Liability Feature available to the Motor Carrier as part of the Occupational Accident plan…it defends the lease agreement if a lease operator accident claimant attempts to claim employee status & collect workers comp benefits…and it defends the company in a Court of Law or in a Workers Compensation Review Board…if you lose, the contingent liability feature will pay up to statutory limits of a Workers Comp Policy

Need more information or help? Western Truck Insurance can answer all of your risk questions and help protect you and your business.