How CAB Reports Function in Underwriting Trucking Operations

When it comes to trucking operations, having truck insurance is an important component to keep everything moving in a transparent way. However, if a motor carrier’s driving history is flagged with having the same number as another company, finding the right coverage can be increasingly difficult.

Interpreting risk information should be in every carrier’s understanding of how motor truck cargo insurance works, especially in terms of understanding risk factors and underwriting motions. Certain determinations are made by tools like the Central Analysis Bureau, or CAB, and the FMCSA’s Safety Measurement System (SMS).

Here are some questions that are usually brought up when a CAB reports risk information in underwriting.

Under what circumstances would the CAB report a prior-used VIN?

Typically, an owner-operator leased to an insured would operate under a permanent lease. If the owner-operator, however, has their own authority, this may show up as “during.” Also, the insured may have already de-leased an owner-operator or sold the equipment during the period in question, which would trigger the CAB.

If a company’s DOT number has been captured by a DOT officer mistakenly, which is uncommon, it can be corrected by a company challenging the inspection. Also, a company may be operating under multiple authorities, which would trigger a shared VIN notification to the CAB.

If an owner-operator is hauling for the insured under their authority, is inspection data going to be reflected on the CAB report?

Data for inspections is captured under the Department of Transportation number for both the company the diver is operating under at the time of inspection as well as the driver’s own record. This kind of information is kept stored in a separate database so confusion is limited. Driver data is typically only available to individual drivers and their potential employers.

Regarding trucking insurance, what underwriting actions are taken when CAB motions that an insured or applicant shares a phone or email address with multiple carriers?

Something like having a shared number or email address, or even physical address, doesn’t necessarily mean shared ownership, but this is something that will be deemed as needing to be looked at. Usually, a common reason behind shared contact information is when a permitting office lists their number and address instead of the trucking company’s information.

Another reason behind sharing a number or address is when smaller operations share an office of dispatch. The CAB will look at ownership and make sure it’s separate and that there is no shared use of drivers or equipment.

What’s more, there may be outdated information listed with the FMCSA, which needs to be updated on a biannual basis.

Understanding underwriting risk factors is important for motor carriers in gaining motor truck cargo insurance. It’s vital to address any anticipated concerns at the time of submission as anything looked over or missed may bring about a more limited chance of gaining insurance.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates, and coverage changes.

How Trucking Operations Can Protect Their Drivers’ Mental Health

While it’s important for trucking professionals to do their job well, including getting every haul to its destination on time and taking care of their payload to the utmost, it’s also important for drivers to take care of their self, just like how trucking companies can take care of their operations with truck insurance.

Driving for long hours alone on the road can take a toll on drivers’ mental and physical outlines, so knowing how you can take better care on the road is key. According to the Federal Motor Carrier Safety Administration, more than one million truck drivers in the United States will be involved in serious road accidents at some point in their careers, opening the door for post-traumatic stress.

Trucking companies can take care of their employees by offering suggestions to keep their minds sharp and spirits lifted. Here are some suggestions:

Consider a Travel Companion

If it’s allowed, truck drivers can consider bringing on a co-pilot for long hauls. This will help beat road isolation that becomes a common threat for drivers. From spouses to friends, fellow drivers or even dogs, having someone in the passenger seat can help keep spirits up, especially for bigger projects.

Keep a Strong Network

During taking breaks on the road, drivers should check in with loved ones or even support groups back home. The good news is there are so many different ways to stay connected. Social media, video calling, text, email–drivers have so many options to keep in touch. Even a quick chat between stops can make a big difference.

Have a Routine

Sometimes it actually backfires to have the same routine every day. But for drivers it can give them something to look forward to. From waking up at certain times to having morning rituals, like a stretch session or going on a run before getting the day started, drivers should make an effort to have some consistency every day. After the day gets going, drivers can add some variety to their days by looking forward to checking in with family and friends, posting on social media or even listening to podcasts.

Keep Fit

Spending long hours behind the wheel can also be hard on the body; back stiffness and leg problems are the most prevalent. That’s why making small efforts to keep fit on a schedule can make a big difference. Not only will staying active be helpful to the body, it can also be good for the mind and soul by adding confidence and helping with sleep. From light jogs to yoga to high-intensity interval training, drivers can help keep their mind and body in shape.

Bring Some Comforts From Home

While truck cabs may not be a good replacement for your living room back home, they can still stand in as great reminders of what’s waiting for you. Bring photos and small decorations to remind you of home and family or even just your favorite spots back in your hometown, like restaurants and sports venues.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.