Have you ever met the guy who says "I'm not worried, it would never happen to me", and then it comes back to bite him? At Paradiso Insurance, we have heard this a number of times, and in too many scenarios, trucking owners are not sufficiently prepared for damages, leading to greater problems for you to deal with.
The simple solution for managing damages as an FXG or AMZ independent contractor should have a clear set of guidelines for your drivers to help you avoid claims altogether. That's why we believe in proper training and safety training to protect your drivers, reduce claims and keep your premiums low. Here are some of our tips that we think can help you achieve just that!
Common Causes of Claims
There are a variety of types of claims we encounter from truck drivers, but let's go through the ones we see more often than others. Before we go into this, however, it is important to understand that accidents occur and that there are a number of causes for accidents with trucks.
According to the Federal Motor Carrier Safety Administration & # 39 ;s Large Truck Crash Causation Study, 44% of truck accidents involved a driver using some form of drug or prescription drug. 23% of accidents involved speeding for the given road conditions and the last 18% involved tired drivers.
However, there are other risks associated with accidents, including falls, musculoskeletal diseases, or even injuries from or being hit by objects. Thousands of truck drivers are injured every year, so what should we do to solve this problem? Truck drivers' claims are serious, because not only will your premium potentially increase over a three-year period from an indemnity, but serious injuries can be the end of a truck driver's career, meaning you could lose one of your best drivers in the process.
It is best to avoid injuries and damage altogether, and the first step is to have a safety training or a safety training program implemented for your staff. Make sure your drivers do not drive fast, be careful with road conditions on a daily basis and of course always wear seat belts. We also recommend that you train your drivers to always look further ahead on the road, to continuously check and double check their blind spots and not to drive drowsy under any conditions.
As an independent FXG or AMZ contractor, you know how important it is to keep your drivers safe and at Paradiso Insurance we want to work with you to do just that. Together, we can help train your drivers in best safety practices to reduce workers' compensation claims and keep premiums low. For more in-depth safety tips and resources for your truck drivers or for questions about your employees' comp coverage, call our team at 860-453-0116 or send us a message here and we will be happy to help!