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.
For those who have mandatory driver facing cameras?
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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.
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
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;
(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
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
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
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".
"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.
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.
"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";
(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.
"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.
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.
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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