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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What do Insurance Companies
Look for when evaluating Fleets
Mike Landon, CSP
How many vehicles constitutes a fleet ____ to an insurance Company.
A) 1B) 10
What is a Loss Ratio?
Most Insurance Companies make a profit if the fleet loss ratio is at or below ___%
Insurance Companies will evaluate your drivers for your company
Companies are required by law to check driver motor vehicle records
Why Give a Road Test to a Licensed Driver
Something as simple as having your organizations phone number on the rear and sides of the vehicle is driver monitoring
Re-Evaluating Drivers’ Motor Vehicle Records Annually is Driver Monitoring
Requiring the reporting of all traffic infractions is a form of driver monitoring
Employers shouldn’t concern themselves with accident reviews because the insurance company will do them
What is the purpose of an Accident Review?
There are no consensus standards for determining whether a vehicle accident was preventable
Typically I would have large cash prizes, but your bad luck - I’m out of work
“ Our People are our most important ASSET”
“You hire your PROBLEMS”
It is especially true with drivers
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%.
Review Drivers’ MVR’s
Use Standard Criteria
Evaluate all employees who drive for work purposes including incidental drivers
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
New employee drivers should do a road test
Determine their skills
Should include all driving performances required of the job
Should Include all driving performances required of job
Use of communication devices
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.
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 reportDriver SelectionHandout Materials
I invite your questions
And I’ll be available after the meeting
(206) 484 – 2142 ( C )
(425) 481 – 5797 ( H )