The bulk of auto accidents are triggered by driver error, whether it be following too closely, speeding, driving sidetracked, driving under the influence of alcohol or drugs, or any other range of reasons. As an entrepreneur, you have control over whos operating your automobiles and you should take this responsibility seriously. Do not ignore the importance of making certain you are hiring a safe driver before you enable them to run one of your fleets.
Constantly have a candidate sign a waiver permitting you to get an automobile record (MVR) before you make a hiring decision. If there is any doubt about the reputation of the record, forward it to your representative or insurance provider for their approval or disapproval before allowing the candidate to drive.
You may also be in a less pricey business (tier) since of your great experience. The reality is, it only takes one risky motorist to ruin all your excellent experience and drive your auto insurance coverage costs up.
While not constantly the case, many accidents involve drivers with several previous moving violations and/or at-fault accidents. Exercise your right to choose somebody with an excellent record prior to permitting them to utilize your possessions. Would you enable somebody with little or no previous experience to operate a $100,000 piece of machinery? If not, why would you enable someone who has a number of speeding tickets and a couple at-fault accidents in the last 3 years to drive your brand-new $80,000 truck in heavy metropolitan traffic?
Pay close attention to the age of chauffeurs. Statistically, drivers under the age of 25 are most likely to be associated with at-fault mishaps. Most insurer are going to be reticent to enable somebody under 25 years of ages to be a driver on an industrial policy. This will be specifically true if a truck weighs over 10,000 pounds. This likewise calls into play the problem of individual automobiles being guaranteed on a business policy and driven by young member of the family. This is obviously not the intent of an industrial automobile policy and ought to be avoided. Like I formerly mentioned, it only takes one loss to destroy that experience and jeopardize beneficial pricing on your business policy. The family vehicles being driven by your 17-year-old daughter or son need to be on an individual policy.
If one of your cars cuts somebody off in traffic, tailgates, or strikes someone, individuals will discover what business that automobile belongs to. Safe drivers will assist you avoid these headaches and your company will have your pick of insurance providers.
Entrepreneur– Read more about Fleet Safety and Telematics: Finding Solutions to Fleet Safety Management QuestionsThe Benefits of Telematics for Company Vehicles
The details above is of a general nature and your policy and protections offered might differ from the examples supplied. Please read your policy in its whole to identify your real protection available.
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The majority of vehicle mishaps are caused by motorist error, whether it be following too closely, speeding, driving sidetracked, driving under the influence of alcohol or drugs, or any other range of reasons. The truth is, it just takes one hazardous driver to destroy all your excellent experience and drive your vehicle insurance coverage costs up. If not, why would you allow someone who has a number of speeding tickets and a couple at-fault mishaps in the last 3 years to drive your brand-new $80,000 truck in heavy urban traffic?
Many insurance companies are going to be reticent to enable somebody under 25 years old to be a driver on a business policy. Safe motorists will assist you avoid these headaches and your business will have your choice of insurers.