Just When You Think You Are Good To Go.

123456 · Jan 12, 2012

Send mr smith money,

and he'll send the rest of the story to you !!!

bherns43 · Jan 12, 2012

im starting to believe now the insurance companies are running the trucking companies now but thats just my belief

Emulsified · Jan 12, 2012

thehornet said: ↑

why is it impossible to make their decision prior, if you are buying a home they let you know prior, if you are adding someone to your car insurance they let you know prior how much it will be and why.. why would they not do the same for a truck driver signing on with a company. i am sure if you want to go the owner operator route,, they would let you know in advance.., sorry emulsified, but it just don't make sense to me..
Click to expand...

Just going by experience when I had my company.
I had hired on a driver with a good record. Agent gave his blessing after I faxed over the H6 and app.
Five weeks after hiring him, insurance company sent me a letter declining to insure him due to "...undisclosed information obtained subsequent to hiring."
The next couple drivers I hired, I tried to have them OK'd in advance and my agent told me, "...easier to stuff soft butter up a wildcat's ##### with a hot poker than get an advance approval."

Maybe things have changed.
Maybe not.

thehornet · Jan 12, 2012

Emulsified said: ↑

Just going by experience when I had my company.
I had hired on a driver with a good record. Agent gave his blessing after I faxed over the H6 and app.
Five weeks after hiring him, insurance company sent me a letter declining to insure him due to "...undisclosed information obtained subsequent to hiring."
The next couple drivers I hired, I tried to have them OK'd in advance and my agent told me, "...easier to stuff soft butter up a wildcat's ##### with a hot poker than get an advance approval."

Maybe things have changed.
Maybe not.
Click to expand...

yep, you did everything in the employees favor which is great. it's ashame that there are suits sitting around in some insurance office, looking at a request to add on a companys policy coverage { Suit A says to Suit B, Gee perfect record driving ten years, and look no type of arrests for anything in the last seven years,, - Suit B, " oop, oop, look what we have here, possession of less than a joint nine years ago, better send this one to underwriting..} ,, 3 weeks go bye, { The other suit in underwriting starts to review the paperwork..., you know the type, The True Rubber Stamper --- Bang - DENIED..

it's a fkn shame is all i am saying..

thehornet · Jan 12, 2012

Nashville Driver said: ↑

I think there is more to this story.
Click to expand...

Nash, fill me in on what i missed,,if there is more to the story give me a heads up...

http://askthetrucker.com/are-you-an-insurable-driver-that-is-the-question/

Nashville Driver · Jan 12, 2012

thehornet said: ↑

Nash, fill me in on what i missed,,if there is more to the story give me a heads up...
Click to expand...

This is just an opinion:

I cannot speak this specific case, but often perspective drivers do not tell the complete truth about their medical or criminal history and think it will be a non-issue, and when it comes back to haunt them its the big bad trucking company or the big bad insurance company. These rules keep us all safe and help reduce some of the enormous risks taken on by companies & insurance carriers with student drivers.
I went to a better school,.. but our school discussed in detail, both the health requirements and minimum background requirements, before the first day of class, and even discouged those that had issues, explaining that continuing with school would be a waste time and money for this particular student. When you sign those releases, you allow the company and any company representative (insurance carrier) to thoroughly explore your background. Sometimes students / drivers simply pose a risk because they are not completely truthful, and issues are discovered during an investigation.often the carrier and insurance company is wondering what else has transpired, that youre not telling them? Somestimes we are our own worst ememy.

sixpackbill · Jan 12, 2012

thehornet said: ↑

You have been hired went through orientation and met all qualifications by the company. Several weeks have gone by and you are out on the road, making an honest living to provide for your family... You are giving your new career 110 % and you like what you are doing..

But the insurance company decides to rain on your parade, you have to take the truck back and are being dismissed from the company..

Sad but true, so don't let this happen to you... Remember Zero Errors..

Here is an article I read on line written by Allan Smith, Truth About Trucking..

Share

When considering a career as a professional truck driver, all too often our past can catch up with us. Whether it be violations on our driving record or former mistakes weve made such as misdemeanors or even felonies, suddenly we can find ourselves in a position of not being able to obtain the CDL license. Even certain medical conditions could cause your dream of entering over the road truck driving to fade away. Many times, people will discover things such as these after theyve completed their truck driving training, and by then, of courseit is too late.
I receive these two questions from newcomers to the trucking industry many many timesWill I be able to pass the DOT examination? and Will a trucking company hire me? In my opinion, these are not the best or most correct questions to ask. This is because, if you have something on your record that is questionable, be it points on your license, criminal or medical issues, or anything that you fear may interfere with passing the DOT exam or getting hired, then it really doesnt matter if you can pass the DOT physical or even if a trucking company will hire you. Although these two questions appear to be the most logical to ask, they are not what you should be asking, but rather you should ask:
Am I an insurable driver? That is the question!
Most people tend to believe that it is entirely up to the Medical Examiner and/or trucking company to decide if a person is qualified to operate the commercial motor vehicle. It is not. Ultimately, the final decision will always rest with the insurance company of the particular motor carrier. This is why so many new drivers have gone through the process: passed the DOT physical, been hired on by the carrier, and two weeks later receive that call or qualcom message that they will have to return to the home terminal and be removed from the company.
Even if the medical examiner states that the driver in question, in his or her opinion, can operate a CMV safely based on the meds that the driver is taking, (and that is all the company needs to hear), the ultimate decision lies with the insurance carrier. Furthermore, if a company accepts a driver with a questionable (criminal) background, a few weeks later you could find yourself having to turn the truck back in and returning home without a job. Why? Because even though the company and medical examiner accepted the driver, for whatever reasonthe insurance company declined to insure the driver.
When it comes to the medication that a driver may be taking, the insurance carrier may always have the fear that the driver could suddenly stop taking their meds. As irrational that this may seem to the driver, the insurance company will have their own rules and guidelines to go by. A perfect example would be Bipolar depression disorder. This condition can easily be controlled by the right medications. However, the insurance carrier must always ask the question and wonder about what would happen if the driver decided to stop taking the prescribed meds? The same goes for various other conditionsdiabetes, high blood pressure and so forth.
For the most part, drivers will naturally stay on their meds, but insurance companies have to look at the possibilities of how the trucking life can interfere with the drivers daily routine. What if the driver is running hard for the week and simply forgets to take the meds? We all know how stressful truck driving can bewhat if it is only a matter of forgetting?
Insurance carriers look at these types of situations on a case to case basis. This is why you will hear of one driver with a medical condition being insured and everything is fineyet, another driver with the same condition is terminated. Why? Only the insurance company knows. Something that they read, heard or whatevermade them decide that insuring the particular driver would not be in their best interest.
I see this very often in cases involving criminal or even misdemeanor violations. How many of you have gone through the truck driver training, received your CDL, have been hired by the trucking company, and a few weeks later found yourself dismissed from the job for a DUI that occurred ten years prior? It is because the insurance carrier, not the medical examiner or the trucking company, the insurance carrierfailed to insure youfor whatever their reasons.
Understand, that there are thousands of drivers operating commercial motor vehicles with these types of situations, so this is not to say that if one applies to you, then you should immediately give up on your goal of becoming a truck driver. You should, however, stop relying on the basis if you will be able to pass the DOT exam or if trucking companies will hire you. You need to look deeper into the realms of how trucking really works
Click to expand...

my eyes hurt

Bikerboy · Jan 12, 2012

Everyone is insurable, its just a matter of cost.

thehornet · Jan 13, 2012

Nashville Driver said: ↑

This is just an opinion:

I cannot speak this specific case, but often perspective drivers do not tell the complete truth about their medical or criminal history and think it will be a non-issue, and when it comes back to haunt them its the big bad trucking company or the big bad insurance company. These rules keep us all safe and help reduce some of the enormous risks taken on by companies & insurance carriers with student drivers.
I went to a better school,.. but our school discussed in detail, both the health requirements and minimum background requirements, before the first day of class, and even discouged those that had issues, explaining that continuing with school would be a waste time and money for this particular student. When you sign those releases, you allow the company and any company representative (insurance carrier) to thoroughly explore your background. Sometimes students / drivers simply pose a risk because they are not completely truthful, and issues are discovered during an investigation.often the carrier and insurance company is wondering what else has transpired, that youre not telling them? Somestimes we are our own worst ememy.
Click to expand...

am being honest with any potential employers, the thing about the article that bummed me out was the fact that a company actually accepted a driver with his/her background disclosed to them, and the company accepted him.., but than it goes on to say a few weeks later that the insurance company had a different opinion.. just trying to avoid being a few thousand miles away from home and doing an excellent job, but than being told to pack up driver you are heading home..
if the insurance company said no because he did not disclose something, that is all fine and good, but this article isn't exactly saying that..

when i am hired with a company there are four things that are of most importance to me. in the order listed

1. safety
2. my dac report
3. efficient
4. $$$

123456 · Jan 13, 2012

sometimes a trucking company uses the insurance company,

as a scapegoat ........

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