For those who have mandatory driver facing cameras?

Discussion in 'Questions From New Drivers' started by BeHereNow97, Apr 12, 2021.

  1. Moose1958

    Moose1958 Road Train Member

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    I want to echo something @calnca has said. A few days ago I was with a friend headed onto Ft Eustis to get a haircut and make a Commissary stop. We had to make one stop en route that caused us to have to get off I 64 onto Jefferson. Anybody in these boards that knows anything about Hampton Roads knows that Jefferson is a PITA and there is always a wreck each and every day. As we got finished with our stop we got back on Jefferson headed to Ft Eustis. All a sudden a young girl in what looked like a beemer ran a red light and tore across Jefferson and as she did I could see she was on the phone having a VERY animated conversation. Almost hit us and another car. It is a dang shame insurance carriers are more and more requiring driver monitoring to get premium rates. Todays truckers as a group seem to be more focused on things that take their attention off driving. Contrary to popular opinion, a Human can NOT multitask. At some point, the laws of odds will catch up to you. This is why I said, I rather flip burgers.
     
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  3. God prefers Diesels

    God prefers Diesels Road Train Member

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    I never said they were. During our discussion, it might help you if you remember I used to sell insurance. And like you've stated several times already about offering people premium credits when they utilized these mitigation devices, you only do that because in the end, they save the insurance company money. The insurance company still ends up making more. For example, If you're saved an average of $50 million per year due to these cameras, you take $25 million and divvy it up in appropriate amounts, and give it back as a "credit". Then you advertise this to get more and more fleets on board. That way, you make more and more money. You aren't "giving" anything. Fleets that use the cameras and fleets that don't now become two different "risk pools", and you price their insurance based off their pool. Along with using the footage to get out of paying every chance you get, or put the liability on the other party's insurance. Don't bother denying it. I doubt there's ever been a company in history where rule number one wasn't "protect the company". It's also easy to offer "credits" when you artificially raise rates every year. How do we sell something nobody wants? Easy. Double the price, but offer a 40% discount.
     
  4. Frank Speak

    Frank Speak Road Train Member

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    Somewhere there’s a dying horse.
     
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  5. calnca

    calnca Medium Load Member

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    Selling and underwriting are two different aspects of the industry.....typically, in my 50+ years in the biz, those that sell don't really understand the carrier side and coverage afforded under the policy......especially if one was selling life insurance.....which is a whole different animal than the P & C side.

    Don't know where you are coming up with " Along with using the footage to get out of paying every chance you get".....again, I'll stipulate that unless it's an "intentional act"......as an example, road rage, intentionally hitting the guy who brake checked you.....denying a claim based on camera footage isn't going to happen. The policy language in the contract states what we can and cannot do. Would you show me the part of the contract that supports your theorem?

    What follows are the "Exclusions" from the ISO Commercial Auto Coverage Form.....show me how camera footage will allow us to deny a claim, except for the "intentional act" aspect.....and no reasonable person would think we should pay for someone purposely doing something that leads to a loss/claim.

    B. Exclusions
    This insurance does not apply to any of the following:
    1. Expected Or Intended Injury "Bodily injury" or "property damage" expected
    or intended from the standpoint of the "insured".

    2. Contractual Liability assumed under any contract or agreement.
    But this exclusion does not apply to liability for damages:
    a. Assumed in a contract or agreement that is an "insured contract" provided the "bodily
    injury" or "property damage" occurs subsequent to the execution of the contract or agreement; or
    b. That the "insured" would have in the absence of the contract or agreement.

    3. Workers' Compensation
    Any obligation for which the "insured" or the "insured's" insurer may be held liable under
    any workers' compensation, disability benefits or unemployment compensation law or any
    similar law.

    4. Employee Indemnification And Employer's Liability
    "Bodily injury" to:
    a. An "employee" of the "insured" arising out of and in the course of:
    (1) Employment by the "insured"; or

    (2) Performing the duties related to the conduct of the "insured's" business; or
    b. The spouse, child, parent, brother or sister of that "employee" as a consequence of
    Paragraph a. above.
    This exclusion applies:
    (1) Whether the "insured" may be liable as an employer or in any other capacity;
    and
    (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury.
    But this exclusion does not apply to "bodily injury" to domestic "employees" not entitled to
    workers' compensation benefits or to liability assumed by the "insured" under an "insured
    contract". For the purposes of the Coverage Form, a domestic "employee" is a person engaged in household or domestic work performed principally in connection with a residence
    premises.

    5. Fellow Employee
    "Bodily injury" to any fellow "employee" of the "insured" arising out of and in the course of the
    fellow "employee's" employment or while performing duties related to the conduct of your
    business.

    6. Care, Custody Or Control
    "Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control. But this exclusion
    does not apply to liability assumed under a sidetrack agreement.

    7. Handling Of Property
    "Bodily injury" or "property damage" resulting from the handling of property:
    a. Before it is moved from the place where it is accepted by the "insured" for movement
    into or onto the covered "auto"; or
    b. After it is moved from the covered "auto" to the place where it is finally delivered by the
    "insured".

    8. Movement Of Property By Mechanical Device
    "Bodily injury" or "property damage" resulting from the movement of property by a mechanical
    device (other than a hand truck) unless the device is attached to the covered "auto".

    9. Operations
    "Bodily injury" or "property damage" arising out of the operation of:
    a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"; or
    b. Machinery or equipment that is on, attached to, or part of, a land vehicle that would qualify
    under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.

    10. Completed Operations
    "Bodily injury" or "property damage" arising out of your work after that work has been completed or abandoned.
    In this exclusion, your work means:
    a. Work or operations performed by you or on your behalf; and
    b. Materials, parts or equipment furnished in connection with such work or operations.
    Your work includes warranties or representations made at any time with respect to the fitness,
    quality, durability or performance of any of the items included in Paragraph a. or b.
    above.

    Your work will be deemed completed at the earliest of the following times:
    (1) When all of the work called for in your contract has been completed.
    (2) When all of the work to be done at the site has been completed if your contract
    calls for work at more than one site.
    (3) When that part of the work done at a job site has been put to its intended use by
    any person or organization other than another contractor or subcontractor
    working on the same project. Work that may need service, maintenance, correction,
    repair or replacement, but which is otherwise complete, will be treated as completed.

    11. Pollution
    "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge,
    dispersal, seepage, migration, release or escape of "pollutants":
    a. That are, or that are contained in any property that is:
    (1) Being transported or towed by, handled, or handled for movement into, onto or
    from, the covered "auto";
    (2) Otherwise in the course of transit by or on behalf of the "insured"; or
    (3) Being stored, disposed of, treated or processed in or upon the covered "auto";
    b. Before the "pollutants" or any property in which the "pollutants" are contained are
    moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or
    c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured".

    Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other similar
    "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical
    functioning of the covered "auto" or its parts, if:
    (1) The "pollutants" escape, seep, migrate, or are discharged, dispersed or released
    directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants";
    and
    (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment".
    Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away
    from premises owned by or rented to an "insured" with respect to "pollutants" not in or
    upon a covered "auto" if:
    (1) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and
    (2) The discharge, dispersal, seepage, migration, release or escape of the "pollutants"
    is caused directly by such upset, overturn or damage.

    12. War
    "Bodily injury" or "property damage" arising directly or indirectly out of:
    a. War, including undeclared or civil war;
    b. Warlike action by a military force, including action in hindering or defending against an
    actual or expected attack, by any government, sovereign or other authority using
    military personnel or other agents; or
    c. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority
    in hindering or defending against any of these.

    13. Racing
    Covered "autos" while used in any professional or organized racing or demolition contest or
    stunting activity, or while practicing for such contest or activity. This insurance also does
    not apply while that covered "auto" is being prepared for such a contest or activity.
     
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  6. God prefers Diesels

    God prefers Diesels Road Train Member

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    As much as it pains me to lose an Internet argument with a complete stranger, you're right. Camera footage has never allowed an insurance company to deny a claim. I concede.
     
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  7. MadScientist

    MadScientist Bobtail Member

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    Dec 14, 2019
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    Perhaps you should consider that companies that adopt mitigation strategies like using cameras and other performance monitoring devices actually lead to a reduction in incidents which lead to claims? Everyone is saving money because they're generating fewer claims per 100,000 miles.

    Drivers who refuse to drive for such companies tend to be higher risk. Drivers who are willing to drive for such companies tend to be lower risk. Some drivers will modify their behavior and take fewer risks if they know they are being monitored. That results in lower accident rates.
     
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  8. God prefers Diesels

    God prefers Diesels Road Train Member

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    I don't doubt it a bit.
     
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