Insurance Companies & Fleet Safety

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# Insurance Companies & Fleet Safety - PowerPoint PPT Presentation

Insurance Companies & Fleet Safety. What do Insurance Companies Look for when evaluating Fleets. Mike Landon, CSP. Let's Play Fleet Safety. JEOPARDY. Sample Question. Insurance Companies Consider what __ (#), and type of Vehicles to be a fleet? Any number and any type

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## Insurance Companies & Fleet Safety

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Presentation Transcript
1. Insurance Companies &Fleet Safety What do Insurance Companies Look for when evaluating Fleets Mike Landon, CSP

2. Let's Play Fleet Safety JEOPARDY

3. Sample Question • Insurance Companies Consider what __ (#), and type of Vehicles to be a fleet? • Any number and any type • Any number vehicles which require drivers to have a CDL • More than 5 vehicles of any type including autos, service vehicle, pick up trucks, and large vehicles

8. Insurance Companies and Fleet Safety for 100 How many vehicles constitutes a fleet ____ to an insurance Company. A) 1B) 10 C) 5D)>10

9. Insurance Companies and Fleet Safety for 250 What is a Loss Ratio? • Losses/Collected Premium • Losses/Written Premium • Collected Premium/Losses • Unimportant to me

10. Insurance Companies and Fleet Safety for 1000 Most Insurance Companies make a profit if the fleet loss ratio is at or below ___% A)45B)50C)65D)75

11. Driver Selection for 100 Insurance Companies will evaluate your drivers for your company • True • False

12. Driver Selection for 250 Companies are required by law to check driver motor vehicle records • Yes • Yes – if drivers possess a CDL • No – Companies are not required to check employee driving records • Both B & C are correct

13. Driver Selection for 1,000 Why Give a Road Test to a Licensed Driver • Road Tests are not Required (Except for CDL Drivers) • To Evaluate Driving Skills • C) To Evaluate Additional Training needs • D) All of the Above

14. Driver Monitoring for 100 Something as simple as having your organizations phone number on the rear and sides of the vehicle is driver monitoring A) True B) False

15. Driver Monitoring for 250 Re-Evaluating Drivers’ Motor Vehicle Records Annually is Driver Monitoring • True • False

16. Driver Monitoring for 1000 Requiring the reporting of all traffic infractions is a form of driver monitoring • True • False

17. Accident reviews for 100 Employers shouldn’t concern themselves with accident reviews because the insurance company will do them • True • False

18. Accident Reviews for 250 What is the purpose of an Accident Review? • To identify trends and patterns to prevent reoccurrences • To develop controls on specific, previously, unidentified exposures • To identify additional training needs • All of the above

19. Accident Reviews for 1000 There are no consensus standards for determining whether a vehicle accident was preventable • True • False

20. That’s Correct!Add the points to your total amount. • How did Your Team Do? • The Winning Team Receives: Typically I would have large cash prizes, but your bad luck - I’m out of work

21. Driver Section • It has been said: “ Our People are our most important ASSET” • It has also been said: “You hire your PROBLEMS” It is especially true with drivers

22. Driver Selection

23. Driver Selection • According to American Trucking Resource Institute there are 5 future crash predictors: • Reckless Driving • Improper or erratic lane change • Failure to yield right of way • Improper turn • Failure to maintain proper lane • Commonly referred to as Aggressive Driving

24. Driver Selection When a driver receives a conviction for one of these behaviors, the likelihood of a future crash increases between 91% and 100%. Of all crash data analyzed, reckless driving violations prompt the highest likelihood of a future crash: 325%.

25. Driver Selection Review Drivers’ MVR’s Use Standard Criteria Evaluate all employees who drive for work purposes including incidental drivers

26. Driver Selection Have automatic disqualifiers DWI Speed violations > 20 mph over posted speed limit Speed violation in school zones Felonies involving the use of a motor vehicle Leaving the scene of an accident Aggressive driving citations

27. Driver Selection Road Tests New employee drivers should do a road test Determine their skills Training needs Driving habits Should include all driving performances required of the job

28. Driver Selection Should Include all driving performances required of job Backing Parking City Streets Parking Turning Finding locations Use of communication devices

29. Driver Selection • So What do you do if an individual is qualified in all ways except driving? • Tight Labor Market – Take a chance and pray • Have a work partner drive • Put the individual through drivers training

30. Driver Selection If you take a chance and pray There is a possibility that in the event of an vehicle accident that your firm will be sued for negligent entrustment You can be deemed guilty of permitting an incompetent person to operate your vehicle (Negligent Entrustment) if the following is true: Your company carelessly permitted (entrusted) someone to use an instrument that could cause harm. (Automobiles are assumed to be dangerous.) The incompetence of the person in a position of trust was the proximate (most immediate or direct) cause of damage, injury or death.

31. Motor Vehicle Record Review Request Form Employee MVR Request Form Fleet Loss Control Assessment Document 4 Predictor of Accident Document Sample Motor Vehicle Fleet Safety Program Negligent Entrustment Document Personal Use of Vehicle Document Evaluation Point System Electronic MVR review program with management report Driver SelectionHandout Materials

32. Questions I invite your questions And I’ll be available after the meeting

33. Contact Information Mike Landon (206) 484 – 2142 ( C ) (425) 481 – 5797 ( H ) m_ landon@verizon.net