Can I drive under someone else’s ins for better rates as an O/O

16 over in a 30 mph zone is not a speed trap.

 

A speed trap meaning the state troopers were strategically at the bottom of the hill hidden on a side street clocking vehicles going down the hill. It was my first time being on the east coast. I wasn’t aware of all the hills. I just remember being in a small town with a no engine brake sign. So I turned it off then went through a bunch of twists and turns then next thing I know I’m going down a hill heading onto a main highway. I always use my Jake brake to slow me down but forgot I turned it off. I was also 43k lbs, the heaviest I had ever been. No vehicles were in front of me so I didn’t feel the need to manually hit my brakes hard. Next thing I know 2 state troopers pull me over. One in a weird pick up truck with a topper on the back. I learned my lesson.

 

Off topic, but they made you report a little love tap in back to back parking like that? That's one of the few situations where I'd get out, see no damage, and say 'no worries' to whoever backed into me lol

Haven't backed into any trucks at a truck stop like that, but I'm pretty sure I've relocated a few warehouses backwards a couple feet over the years. Depth perception does funny things sometimes.

 

And some of them are hard lessons to learn.

 

Insurance companies sometimes have to pay money to property owners when your truck hits other things. Just because your truck can keep making money doesn't mean it's the only thing the insurance company should worry about. If the property owner submits a bill for replacing the concrete barrier or repairing the trailers that have been damaged, for example, that would go against your insurance record had you been an Owner-Op at the time they happened and been paying your own insurance.

The point I am making, is not that I'm better than you. I'm not. I haven't made less mistakes than you. I've learned, usually the hard way, that accepting small things by saying whatever excuse one might have isn't a sign one is already being much more responsible. We should all be MUCH more responsible and not just avoid tickets or damage, if it is easy to do so, but because the consequences can be financially harsh. We should avoid tickets and damage unless even when it is very hard to, unless it is impossible to avoid them. In the big scheme of life almost nobody really cares if tickets are given inside or outside of speed traps, etc. They care if you cost them money or damage their stuff.

 

Yup, it was two older women who were team drivers. They wanted to go through the whole reporting procedure even though they knew there was no damage. They even had the rubber bumpers on the back of their trailer that made sure of it. At least they were nice though I guess.

 

Just go down and get a copy of your mvr. That is what insurance companies will see

 

In addition to MVR insurance companies have a database of events where they pay out claims. So if an event causes ABC insurance to pay then Good Insurance, Better Insurance, Terrible Insurance companies all see that claim.

 

Where do I get it? Is MVR different from DAC? I’m an OTR driver who drives for a company based out of another state.

 

the dmv from the state that issues your license