You’ve done a great job building your business. It’s your ticket to The American Dream. You don’t want to lose everything you’ve worked so hard for if you or an employee is involved in a work-related auto accident. That’s why you need a Connecticut commercial auto insurance policy, which the team at Paradiso Insurance can help you get. Of course, part of keeping your team safe is helping to avoid accidents altogether. That’s why today, we’d like to review some safety tips for our commercial auto drivers out there to help them stay safe on the road!
Practicing Safe Driving
Simply practicing safe driving alone will help prevent your vehicle from many of the dangers that could potentially cause it harm. Every time you sit down we advise you buckle up, especially since it’s the number two reason that commercial vehicles were pulled over last year. Also, pay attention to the rules of the road at all times, especially speed limit and lane rules. Be sure your drivers are getting a good night’s sleep, eating breakfast, and minimizing distractions, such as toying with the radio or eating food while driving. Last but not least, have an ongoing safety training developed for your team, and if you need help with some guidelines, you can read up on the U.S. Department of Transportation’s CMV awareness training guide.
If you need more information on some best practices for commercial vehicle drivers, feel free to visit the Commercial Vehicle Safety Alliance website. They have training seminars, education for members, and even an online shop that will equip you with the tools you need to stay protected.
How Distracted Truck Drivers can Affect your Commercial Auto Insurance
Here’s something to think about – the severity of an accident can really affect your insurance premium. If one of your truck drivers gets into a distracted driving accident, has minimal damage to himself/herself and the vehicle, and there were no other parties involved, then you may not suffer major loss. Although, if your truck driver gets into a distracted driving accident, hits another vehicle with five passengers, and totals the company vehicle, then the loss would be pretty dramatic. In that case, we’d hope that you had an umbrella insurance policy in place to protect you from excess liability.
Depending on how frequent your company experiences claims, and how vicarious the claims are, can help determine how much of a risk you are for insurance companies to protect you. If you are in a greater risk pool, then your premium will be more expensive; vice-versa, if you are less risk to insure, then your premium will remain at an affordable low rate. So what can you do to help your company’s insurance premium stay at an affordable low rate?
Keeping your Premium at an Affordable Low Price
Distracted Truck Drivers affects commercial auto insurance premiums in one way – for each accident that happens, your commercial auto insurance premium has a risk of increasing. To prevent this from happening, there are certain steps you can take with your team to ensure they are driving safely on the road:
- Have your team turn their cell phones off while behind the wheel (even if they are expecting an important business call). If it is critical that they stay available for their phone, try to get your team members bluetooth earpieces to minimize distractions.
- Eat before you drive (or drink your coffee before you drive for that matter). Eating and drinking on the road can impair focus; it’s best to keep your eyes on the road in front of you.
- Be sure your employees never touch their GPS while driving. If they need these electronic navigational devices on their trip, have them take care of it before ever leaving the driveway.
Remember folks, here at Paradiso Insurance, we want to help you stay protected, and to help keep your business’ commercial auto insurance premiums at affordable low rates. If you are considering other options for your commercial auto insurance, and you’d like to get a free quote today from our insurance agency, click the button below!