Insurance Companies

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

4
Thats Correct!Add the points to your total
amount.Click here to choose another question.
5
Sorry! Theres a Better Answer.You do not earn
any points.Click here to start the game.
6
(No Transcript)
7
Thats Correct!Add the points to your total
amount.Click here to choose another question.
8
Sorry! Theres a Better Answer.You do not earn
any points.Click here to choose another
question.
9
Insurance Companies and Fleet Safety for 100
How many vehicles constitutes a fleet ____ to an
insurance Company.
A) 1 B) 10 C) 5
D)gt10
10
Insurance Companies and Fleet Safety for 250
What is a Loss Ratio?

• Losses/Collected Premium
• Losses/Written Premium
• Collected Premium/Losses
• Unimportant to me

11
Insurance Companies and Fleet Safety for 1000
Most Insurance Companies make a profit if the
fleet loss ratio is at or below ___
A)45 B)50 C)65 D)75
12
Driver Selection for 100
Insurance Companies will evaluate your drivers
for your company

• True
• False

13
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

14
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

15
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
16
Driver Monitoring for 250
Re-Evaluating Drivers Motor Vehicle Records
Annually is Driver Monitoring

• True
• False

17
Driver Monitoring for 1000
Requiring the reporting of all traffic
infractions is a form of driver monitoring

• True
• False

18
Accident reviews for 100
Employers shouldnt concern themselves with
accident reviews because the insurance company
will do them

• True
• False

19
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

20
Accident Reviews for 1000
There are no consensus standards for determining
whether a vehicle accident was preventable

• True
• False

21
Thats 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 - Im out of work

22
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

23
Driver Selection
24
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

25
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.
26
Driver Selection
Review Drivers MVRs
Use Standard Criteria Evaluate all employees
who drive for work purposes including incidental
drivers

27
Driver Selection
Have automatic disqualifiers DWI Speed violations
gt 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

28
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


29
Driver Selection
Should Include all driving performances required
of job Backing
Parking City Streets Parking Turning Finding
locations Use of communication devices


30
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

31
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.

32
Driver SelectionHandout Materials

• 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

33
Questions

• I invite your questions
• And Ill be available after the meeting

34
Contact Information

• Mike Landon
• (206) 484 2142 ( C )
• (425) 481 5797 ( H )
• m_ landon_at_verizon.net