Commercial auto insurance is essential if you rely on vehicles to perform service. Having a strong insurance plan has never been more important to the future of your business than it is today. Unfortunately, the number of commercial auto accidents continues to rise. As commercial auto insurance claims continue to rise, that means more businesses have to pay higher premiums. If you are concerned about paying higher premiums in the future, here is a look at a few ways that you can prevent commercial auto insurance claims from occurring.
It's recommended that you inspect all of your commercial vehicles before extended use. This is the time to look for potential leaks, tire issues, and internal damage. In addition to preventing an accident, performing early inspections can help you avoid shipping issues. Be aware that you will be held liable if anything happens to the cargo while you're transporting it.
It's important to hire safe drivers. It's recommended that you hire drivers who have an established track record of safe driving. Some insurers have previously denied commercial auto insurance claims because the driver has a major violation on their driving record. Denied claims generally lead to a premium increase. You can avoid this potential issue by performing background checks on potential hires. It's recommended that you check a potential employee's educational and employment history, as well as their driving record, before hiring. Hiring employees with integrity should help prevent potential issues in the future.
Commercial driving is a demanding business. You will likely spend a lot of time on the road trying to hit important deadlines. This could mean a lot of long nights and early mornings. It's recommended that you promote the benefits of good sleeping habits for your employees. Tired drivers are more likely to cause an accident while they are on the road. Express the importance of pulling over when you feel too tired to keep driving. Make sure that your drivers adhere to the FMCSA limit of only 10 hours per day. Promoting the benefits of getting a good night's rest ensures that your drivers are alert on the road and able to withstand some demanding days.
Driving is generally unpredictable due to evolving road conditions and the behavior of other drivers. It's recommended that you inform your drivers about the benefits of paying attention to their surroundings at all times. Research shows that distracted driving is the primary cause of commercial auto accidents. Safety hazards that the driver was unaware of have also caused issues on the road. For example, perhaps the driver was unaware that the back door was open, which is a serious hazard. Training your drivers to stay focused on the road at all times can prevent accidents from occurring.
These tips should help reduce your commercial auto insurance claims. A strong commercial auto insurance plan will help you save money and allow you to focus on operating your business. Additionally, the team here at Little & Sons Insurance Services will help you find the right policy to protect your investment. Contact us today to get started!
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