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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

91X FILINGS

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance 91X FILINGS The first thing an insured/motor carrier asks an agent/company to do is get them legal – Words I use in most all of MCIEF’s basic trainings. Legal means to provide the government proof of financial responsibility so that they can work. If the insurance provider does not provide the proof and the insured/motor carrier is damaged, they lose business. The motor carrier could/will make a claim and in most cases, the agent/wholesaler/insurance company that should have provided the proof and did not will pay the damages. Why the need for this blog now?? – Most insurance companies that I am aware of do not as a standard operating procedure cancel the 91X filing when offering a renewal. In the past year I have been answering questions and assisting with situations concerning the problem when the 91X filing was not made timely (proof of financial responsibility sent to FMCSA when the [...]

By |2019-03-01T05:58:24+00:00March 1st, 2019|Truckers|0 Comments

MOTOR CARRIER NUMBERS NOW HAVE ADDED DIGITS

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance MOTOR CARRIER NUMBERS NOW HAVE ADDED DIGITS URS mandated that motor carrier numbers would go away – That has not happened yet! The unique numbers have been “used” up. The temporary solution adds additional digits to the motor carrier/docket number. Craig Lack of Carrier Software provided the following information: On the weekend of October 27th, FHWA expanded the Docket Number from six to eight digits to accommodate the need to issue Docket Numbers greater than MC999999. Over the past year, FHWA had been recycling inactive Docket Numbers, but at this time, all of the inactive Docket Numbers have been reissued. Based on User input, FWHA will not be adding leading zeros to Docket Numbers that are less than eight digits. For example, MC1234 will remain MC1234 under the new eight digit Docket Number system. The number of motor carriers applying for FHWA interstate operating authority now averages 250 or more per day [...]

By |2019-01-15T03:25:08+00:00November 14th, 2018|Truckers|0 Comments

BREAKING NEWS!

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance BREAKING NEWS! From CCJDigital.com, Author James Jaillet - Headline “FMCSA scraps rulemaking on raising liability insurance minimums for carriers” “The Federal Motor Carrier Safety Administration is slated Monday to officially withdraw a rulemaking intended to explore the pros and cons of increasing liability insurance minimums for motor carriers. The agency says a lack of data from key stakeholders, such as insurance providers and carriers, led to the withdrawal of the rule. The Advanced Notice of Proposed Rulemaking, published Nov. 28, 2014, sought input from carriers, brokers, shippers, insurers and others about how increasing the current $750,000 minimum required of carriers would impact insurance premiums, ability to obtain insurance and more. FMCSA was tasked by Congress in the 2012 MAP-21 highway bill to study whether an increase was needed. Current limits were set in the mid-1980s, and groups have argued in recent years they’re too low to cover the costs of today’s crashes [...]

By |2017-06-02T14:40:35+00:00June 2nd, 2017|Insurance, Legislation, Truckers|0 Comments

SAFETY FITNESS DETERMINATION (SFD) PROPOSED RULE HAS BEEN WITHDRAWN

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance SAFETY FITNESS DETERMINATION (SFD) PROPOSED RULE HAS BEEN WITHDRAWN If you are like me, you heard about the SFD proposed rule being withdrawn from many sources. CAB’s March 28, 2017 edition of “Bits & Pieces” included the following: SAFETY FITNESS DETERMINATION – Back to the drawing board? The FMCSA has withdrawn the safety fitness determination (SFD) rulemaking issued in January 2016 and will also cancel plans to issue a supplemental notice of proposed rulemaking to help support the SFD effort. We will wait to see what they decide following completion of the government mandated study from the National Academies of Science. If you are not reviewing Jean Gardner’s CAB “Bits & Pieces”, you should do so. Jean will be a speaker at the October 5-6, 2017 Annual Conference. For those of you that are not aware of the proposed changes in the SFD rating, an overview follows: Currently a motor carrier gets [...]

By |2019-01-15T03:25:46+00:00April 10th, 2017|Blog, CSA, Safety, Truckers|0 Comments

FOOD SAFETY MODERNIZATION ACT (FSMA)

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance FOOD SAFETY MODERNIZATION ACT (FSMA) Do you insure any business that is involved in shipping, transporting or receiving food? If so, do you and your insureds know about the Food Safety Modernization Act (FSMA)? Food includes any non-packaged food for human or animal consumption – food requiring temperature control, fresh as well as frozen. Who promulgated the Act? The Food and Drug Administration (FDA) did and their objective is to make sure “contaminated” foods are not in the supply chain. My father was involved in the transportation of food. He had a business rule not to haul watermelons. Why? – Because if he did not get them delivered on July 3rd, they were not the same value to the receiver on July 5th so the receiver would “reject” the load. His thought process was the watermelons are like a lot of food, driven by market value at place of delivery. If the [...]

By |2017-03-15T17:33:46+00:00March 15th, 2017|Blog, Truckers|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

ATRI’S ANNUAL RELEASE OF “TOP CONCERNS OF THE TRUCKING INDUSTRY SURVEY”

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance ATRI’S ANNUAL RELEASE OF “TOP CONCERNS OF THE TRUCKING INDUSTRY SURVEY” Each year ATRI provides information on what our insureds’ (motor carriers) main concerns are. Dan Murray shared a preview of the study results at the Annual Conference and the final report was released 10/18/15. You can download the full report a www.atri-online.org. It is no surprise that the top two concerns are: 1) HOS and 2) CSA. My thinking is that this is a reflection of the uncertainty of what the government is doing, not doing and might be doing. Will the 34-hour restart part that required two period of 1-5:00 a.m. and can only be used after 168 hours on duty which has been suspended be reinstated or revised as well as when and what? Will CSA be revised; scores made public or not and used in court or not? In other words, how will the government’s actions affect their [...]

By |2019-01-15T03:29:00+00:00November 2nd, 2015|Truckers|0 Comments

MCS90 Follow-Up

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance MCS90 Follow-Up Since last week’s blog a couple of things have happened that you might find interesting. Working on the renewal for the construction company, the carrier wanted to know why I was asking for an MCS90 to be added to the policy. I understand that some insurance providers are not current on the requirements of the FMCSA like those that members of the foundation typically use, so they questioned it. The answer is because they haul their loader from SC to NC a couple times a year on a trailer attached to the one and half ton (six wheeled) truck and now that they have a DOT number, they could be visited by an enforcement officer and if they don’t have a MCS90, they would be subject to a $11,000 a day fine. By the way, as of 10/23/2015, based on the URS, the company will have to have a filing [...]

By |2019-01-15T03:59:18+00:00July 8th, 2015|Truckers, Trucks|0 Comments