With several clients having this issue we've seen a thing or two about accidents on the road with commercial truck drivers. Not only can it be dangerous to the driver with a large semi-truck on the road there are certain precautions that need to be taken when driving a semi. There are several reasons why these vehicles are in many cases over $100,000 to purchase, they are very heavy duty, carry large amounts of cargo and quantities of cargo but they also are expensive if in an accident or something brakes down. If a semi is in an accident there are often times hidden problems that arise in other's cars as well as the semi that go unnoticed to the untrained eye. We recommend three things happen when your semi gets into an accident on the road and that we recommend every driver get trained before he hits the road on a voyage.
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After the accident when you take as many pictures as you can you are putting yourself in the best position to be prepared for previous accidents or problems that can occur when taking the info to the shop. The same with regular accidents as well. For example there are still claims that are filed with an insured taking one or to photos of an accident on the front bumper for example. At face value that accident was just the front bumper but there are hidden issues underneath the car that are issues that can cause problems down the road that are completely unnoticed. Take as many pictures and save your self a world of hurt when it comes two months after the accident and you have an axle issue.
1.Take as many pictures as possible after the accident from as many angles possible.
Next, many drivers now a days will put cameras all over their rear view mirrors that will record accidents and what really happened. We recommend if you are CDL driver and are spending hours and hours doing something on the road, then make sure you get a camera that will record your trips with a DF card inside the camera. This will store the footage that is taken on the camera so you can see what actually happened. This is very important for drivers that even don't trust witnesses at the time of the accident. You can go back to the footage and get a real time view of what has happened in that accident. Like a pro football game you get a "UNDER REVIEW" of what happened.
2. Get a Camera for driving footage
Last get with your insurance agent to get the right coverage and make sure you have all of your bases covered. If you have Motor Carriers Coverage for all of your cargo but don't carry physical damage coverage. It's going to cover your cargo but if you brake a pipe while loading your cargo into your truck and you have no physical damage coverage than it's not going to be helpful at all for your coverage and you will have to pay out of pocket for this.
3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.
3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.
3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.
I hope as CDL drivers and drivers of all kinds of cargo, whether that is food driver insurance, commercial semi truck insurance or freight cargo, you will take these important steps to ensure you have your ducks in a row and your basis covered.
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