truck insurance question

they must have your cld info to insure you as a drive. they must see how much of a "risk" YOU may or may not be. they will use age as an excuse to charge more if you are younger as well

 

I would not put a driver in a truck unless I could cover them on my insurance. If a carrier puts an uninsured driver behind the wheel then they are putting themselves at risk. If the driver is involved in an accident then the carrier and driver will assume the risk.

 

Bottom line for the typical smaller carrier, a carrier has to satisfy the insurer (underwriter). This typically means pulling an MVR, and getting a Yes or No from the insurer, as well as verifying work history as listed on the application. If the boss puts you on, "pending approval", nobody is safe in the event of an accident (of any level) and for all intents and purposes, nothing is valid.

But to answer your question, an insurance certificate simply says the carrier has "a valid level and type of insurance", and has nothing to do with whether or not a particular new driver may or may not have been properly approved by the carrier or the insurer.

 

Some of the larger carriers self insure, at least up to a point. That gives them some flexibility on whom that they can hire. Most must rely on the insurance company to approve any new hires. Now, any carrier can get the guidelines from their insurance company, but until a driver has been approved by their insurance company, they cannot afford to take a chance. With today's high litigation society, you simply cannot take a chance that a new driver won't become involved in an accident. Anything can happen. A driver doesn't have to be doing anything wrong to be involved in an accident. Whether at fault or not, the carrier's insurance will likely be involved at some point.