The majority of car accidents are caused by driver errors, whether they follow too carefully, drive fast, drive distracted, drive under the influence of alcohol or drugs or for other reasons. As a business owner, you have control over who drives your vehicles and you should take this responsibility seriously. Do not underestimate the importance of making sure you hire a safe driver before allowing them to operate one of your fleets.
Always have an applicant sign an exemption so that you can obtain a vehicle (MVR) before making an employment decision. If there is any doubt that the record can be accepted, forward it to your agent or insurance company for approval or disapproval before allowing the applicant to drive. experience, you can have an experienced credit on your policy. You can also be in a cheaper company (level) because of your good experience. The reality is that it only takes one insecure driver to ruin all your good experience and increase your car insurance costs. Because experience loans can contain up to four years of data, it can take years to get credit back after a bad failure accident.
Although this is not always the case, many accidents involve drivers with several previous violations and / or in case of faults. Exercise your right to choose someone with a good record before allowing them to use your assets. Would you allow someone with little or no previous experience to use a $ 100,000 machine? If not, why would you allow someone with multiple speeding tickets and a couple of crashes over the past three years to drive your new $ 80,000 truck in heavy city traffic?
Also pay attention to the age of the drivers. Statistically, drivers under the age of 25 are more likely to be involved in faulty accidents. Most insurance companies will be hesitant to allow someone under the age of 25 to be a driver of a commercial policy. This is especially true if a truck weighs over 10,000 pounds. This also plays into the issue of passenger cars that are insured under a commercial policy and are driven by young family members. This is obviously not the intention of a commercial car policy and should be avoided. As I mentioned earlier, it only takes one loss to ruin that experience and jeopardize favorable prices on your commercial policy. The family cars driven by your 17-year-old son or daughter should have a personal policy.
One last point is that when your company name and logo are on the vehicle, it is basically a rolling sign. If one of your vehicles interrupts someone in traffic, shutters or hits someone, people will notice which company that vehicle belongs to. It may be enough to get someone to think twice before using the services of your company. Safe drivers will help you avoid these headaches and your company will choose your insurance company.
Entrepreneurs – Read more about Fleet Safety and Telematics:
Find solutions to questions about Fleet Safety Management
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The information above is of a general nature and your policy and coverage may differ from the examples. Read your insurance policy in its entirety to determine your available coverage.
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