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MISUNDERSTOOD CARGO FORM

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance MISUNDERSTOOD CARGO FORM Agents have “Asked Tommy” questions concerning customers’ (brokers-shippers) requests for evidence/proof of coverage on cargo forms – “Additional Insured” “Loss Payee” “Waiver of Subrogation” “Primary/Non-Contributory” The cargo coverage form provides “bailee” coverage and agrees to indemnify/protect the person/entity that has the “property” of others in their possession. When providing services to the property owner (store, clean, repair, transport) and the property is damaged, the bailee could/will be liable for the damage if they did not take care of the property in their possession. For-hire interstate motor carriers that are transporting property in interstate commerce have an additional concern – The federal act (Carmack) which makes the motor carrier almost absolutely liable for property while being transported in interstate commerce. The cargo and all bailee forms are a “hybrid” (1st and 3rd party coverage principles in one policy) having two requirements for coverage – The insured must be legally liable [...]

By |2019-11-06T04:27:17+00:00November 6th, 2019|Drivers, Legislation, Truckers|0 Comments

18-YEAR OLD DRIVERS ON THE INTERSTATE!!

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance 18-YEAR OLD DRIVERS ON THE INTERSTATE!! There are a lot of press reports and I have had a few telephone calls about the “Drive Safe Act” – For those of you that have not heard about it, some information follows. From the “Scopelitis Legislative News – March 2019”: Bill to Authorize 18-21 Year Olds to Drive in Interstate Commerce Introduced – On February 26, a bill, the Drive Safe Act, creating an apprenticeship program to train and authorize drivers between the ages of 18 and 21 to drive in interstate commerce was re-introduced with bipartisan sponsors in the House and the Senate.  The bill would require a specified number of hours of on-duty time and driving time in the company of an experienced driver with a vehicle that is equipped with certain safety technologies in order to successfully complete the apprenticeship program and be eligible to drive without restriction.  Many states currently [...]

By |2019-03-12T13:34:42+00:00March 12th, 2019|Drivers, Legislation, Truckers|0 Comments

SELF-DRIVING TRUCKS

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance SELF-DRIVING TRUCKS I was asked by Jacquelyn Connelly, Senior Editor for the Independent Agent (an online magazine and the flagship publication of the Big "I"), and I provided the following article to them. Thought you would be interested in the information, too. The “talk” of the motor carrier industry – Self-Driving Trucks. People that are not a part of that industry may wonder when will they look up at an 18-wheeler and see no one in the cab. The October 31, 2016 lead article in Transport Topics’ “Self-Driving Truck Delivers – Otto hauls beer in first commercial shipment.” The article provides the following information: With a professional driver on board October 20, the Class 8 tractor and its trailer loaded with 51,744 cans of beer traveled south in Colorado from Fort Collins to Colorado Springs – with 120 miles of the historic journey occurring with the truck in full autonomous mode on [...]

By |2019-01-15T03:25:52+00:00March 16th, 2017|Blog, Drivers, Trucks|0 Comments

IN THE NEWS – END OF 2016

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance IN THE NEWS – END OF 2016 Have you been keeping up with the news? A lot is going on that will affect the motor carriers we insure. Trump wins – An unanswered question is how will Trump’s nomination as head of the DOT/FMCSA move forward with the number of proposed changes in regulation from the “ELD Mandate”, the just published “Commercial Driver’s License Drug and Alcohol Clearinghouse”, the new training standards for entry-level truck operations effective 2/7/20, the much discussed speed limiters and even the final results of the status on the HOS restart, the revision of CSA which was required to be finished in 18 months in the end of 2015 FAST Act which includes the new SFD. In the previous eight years, FMCSA has often been criticized for being too aggressive with the implementation of rules that affect the ability of a motor carrier to operate efficiently. Based on [...]

By |2019-01-15T03:26:00+00:00December 16th, 2016|Blog, Drivers, Truckers, Trucks|0 Comments

THE SELF-DRIVING BEER DELIVERY – HEADING IN THE 10/31/16 EDITION OF TRANSPORT TOPICS

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance THE SELF-DRIVING BEER DELIVERY – HEADING IN THE 10/31/16 EDITION OF TRANSPORT TOPICS The MCIEF Annual Conference discussed a lot about technology. When hearing what is now available and in the future, the question is when? In the month since the Conference the subject is discussed almost weekly in Transport Topics and other places. We have suggested if you are serious about providing services to motor carriers that you need to keep up – Some important sources are Transport Topics, CCJ Digital and ATRI. Transport Topics’ October 31st first page article, “Self-Driving Truck Delivers - Otto hauls beer in first commercial shipment.” The article provides the following information: With a professional driver on board Oct. 20, the Class 8 tractor and its trailer loaded with 51,744 cans of beer traveled south in Colorado from Fort Collins to Colorado Springs — with 120 miles of the historic journey occurring with the truck in [...]

By |2019-01-15T03:26:09+00:00November 11th, 2016|Blog, Drivers, Trucks|0 Comments

PAY NOW OR PAY MORE LATER!

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance PAY NOW OR PAY MORE LATER! We have all heard the phrase, “Pay now or pay more later” as well as hearing insureds/motor carriers say, “I cannot afford $$$ whatever it might be.” I had the privilege of hearing Rob Moseley speak at his firm’s 6th Annual Conference on “The Commercial Motor Vehicle Collision: How to Protect Your Company” a couple of weeks ago as well as at our MCIEF Annual Conference. His thoughts follow. Electronic Log Devices – He stated his opinion and I whole heartedly agree – If your insured is still using paper logs they will not be able to control their CSA scores in the HOS BASIC. The two most often cited violations are form and manner meaning the driver did not draw the lines correctly or spelled Fort Myers Fort Meyers. This is different than a false log. This is simply paper filled out wrong. How many [...]

By |2019-01-15T03:29:07+00:00October 23rd, 2015|CSA, Drivers, Insurance|0 Comments

DOT PHYSICAL UPDATE

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance DOT PHYSICAL UPDATE A couple of items have come up concerning the DOT physicals for CMV drivers. As our spring of 2014 Blog discussed, “DOT Physicals Must Be Performed by a ‘Certified Medical Examiner’ Effective May 21, 2014.” The list of certified medical examiners can be found at: nationalregistryfmcsa.dot.gov. There has been a lot of discussion concerning sleep apnea. Based on a number of studies a large number of truck driver physicals show that they possibly have sleep apnea (large necks, overweight, sedentary lifestyles). The concern is the driver has a lack of “good” sleep which makes them more susceptible to dozing off while driving. The FMCSA was stopped from putting rules into place to require drivers with body types that are indicators of sleep apnea to be screened and if problems, control before passed. So no rules have been set but the FMCSA has sent a memo to medical examiners. Putting [...]

By |2019-01-15T04:03:51+00:00February 17th, 2015|Drivers|0 Comments

Happy Holidays!

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance HAPPY HOLIDAYS! We wish you a happy holiday season with peace and love to all with a wish for a positive and profitable 2015! Take time to thank your insureds who are motor carriers for helping Santa Clause get all the gifts to you and your children. Without them, the gifts would not arrive. I believe I pointed this out last year, but I feel it is worth repeating. I remember Christmas Day in my youth as a son of a trucker and after opening presents I would go into father’s office because he had to work. Why? Because he had trucks on the road. Remember, most of your motor carriers’ drivers do not get Christmas Day off. If the stores are to have items to sell or exchange on the 26th-27th, the items had to have been shipped on the 22nd-24th and require the driver to drive on the 25th. Being [...]

By |2019-01-15T04:06:05+00:00December 22nd, 2014|Drivers|0 Comments

CONGRESS BUDGET DEAL SUSPENDS TRUCKER REST RULE

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance CONGRESS BUDGET DEAL SUSPENDS TRUCKER REST RULE After much discussion, Congress is doing something about the 34-hour restart. Annual Conference participants may remember Dan Murray’s discussion of ATRI’s study that the 34 hour restart that is required after 168 hours of a driver’s week working and must include two off-duty periods from 1 a.m. to 5 a.m. did not reduce fatigue, FMCSA’s study was flawed and could cause more congestion by having drivers coming off the restart period at 5 a.m. which is typically the start of the “rush period” and keeps motor carriers off the road when there is less congestion (1-5 a.m.). The original bill to support the restart plan was proposed by Senator Susan Collins, a Maine Republican and had the support of ATA as well as other transportation groups. It had opposition from Transportation Secretary, Anthony Foxx and other groups particularly after the Tracy Morgan accident. Based on [...]

By |2019-01-15T04:05:50+00:00December 12th, 2014|Drivers|0 Comments

IN THE NEWS!!

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance IN THE NEWS!! For the past year or so the motor carrier industry news has been talking about “driver shortage”. In the past week or so there were a number of new articles that contain information that I think you will find useful. Gloria Edwards sent me a “Wall Street Journal” article written by Brenda Cronin that has some interesting observations. Something strange is afoot in long-distance trucking that is also bedeviling other industries: Many jobs that pay well – and don’t require expensive degrees – are going unfilled for months. U.S. Xpress Inc. has enough freight to hire an additional 100 truckers a week and is deploying recruiters daily to driving schools throughout the eastern half of the country. Copeland Trucking is turning away business because of unfilled openings. The trucker shortage reflects a conundrum of the recovery. The skills and goals of the nation’s roughly 9.5 million unemployed aren’t meshing [...]

By |2019-01-15T04:06:33+00:00July 24th, 2014|Drivers|0 Comments