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Are Your Drivers Qualified? Best Practices for Driving Responsibly
Dennis Shinault, CDS Director of Loss Prevention & Safety Services
Protective Insurance Company Sagamore Insurance Company
Carmel, Indiana www.baldwinandlyons.com
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About Baldwin & Lyons, Inc. Foundedin1930,Baldwin&Lyonsspecializesinmarketingandunderwritingliabilityinsuranceforthetransportationindustryandmulti-lineworkers’compensationOurnicheis:• LTL/TLtrucking,packagehandlingandpublictransportation• Workers’Compensationinsurance• Learnmoreatwww.baldwinandlyons.com
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Presentation Outline • Fleets&MotorCarriersvs.AllOtherBusiness• Regulatedvs.Non-RegulatedFleets• MinimumLossPreventionStandards• DriverQualiTicationFile• NewDriverRevaluation• CorporateSafetyManagement• DistractedDrivingPolicyinPlace?• PostCollisionInterviews• TelematicsandOn-BoardSafetyElectronics• VehicleMaintenance• PrepareYourself
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Regulatory Compliance
Your Insurance Company
YourCompanyCulture
Fleets & Motor Carriers vs. All Other Business
• LargeTleets,smallTleets,carTleets,servicevehicleTleets,regulatedTleets,non-regulatedTleets– Allhavepotentialforaloss– Biggervehicle=biggerlosspotential?– Punitivedamagesarevolatile
∘ Negligenthiring∘ Negligententrustment∘ Negligentsupervision∘ Negligentretention
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Fleets & Motor Carriers vs. All Other Business
• ArtisanandcompanycarTleetsmaynothaveasafetydirector
• OSHASafetyDirectorvs.DOTSafetyDirector• Hireasadriver,notjustaworker• VehiclecrashesaretoponOSHAworkplaceinjuries• Drivingpersonalvehiclehassameconsequences
– Contingentliabilitycanfollowtocompany– HavesomequaliTicationsandtrainingasifdrivingcompanyownedvehicle
• Canfamilymembersdrivecompanycars?
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Regulated vs. Non-Regulated Fleets • Isthereadifference?• DOTregulatedvehicles:
– Grossweightorrating,includingcombinationof10,001lbsormore
– Designed/usedtotransport8passengers—includesdriver—forcompensation
– Designed/usedtotransport15passengers—includesdriver—notforcompensation
– Transportingplacardedamountofhazardousmaterials—regardlessofvehiclesize
– DonotconfusethiswithCDLrequirements:∘ Ofover26,001pounds(singleorcombination)∘ 16ormorepassengersincludingdriver∘ Placardedamountofhazmats
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Regulated vs. Non-Regulated Fleets • FederalMotorCarrierSafetyAdministrationwebsite:www.fmcsa.dot.gov
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Regulated vs. Non-Regulated Fleets • SafetyandFitnessElectronicRecords(SAFER)System:http://safer.fmcsa.dot.gov/CompanySnapshot.aspx
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Regulated vs. Non-Regulated Fleets • SMS-SafetyManagementSystem
– BehaviorAnalysisandSafetyImprovementCategories-BASICS∘ UnsafeDrivingBASIC∘ HoursofServiceComplianceBASIC∘ DriverFitnessBASIC∘ ControlledSubstanceandAlcoholBASIC∘ VehicleMaintenanceBASIC∘ HazmatComplianceBASIC-Notpublic∘ CrashIndicator-NotpublicbuthaslistingofallDOTrecordableaccidents
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Regulated vs. Non-Regulated Fleets • DoescompliancetoDOT/FMCSAmakeasafetyprogram?
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Minimum Loss Prevention Standards • Includepersonalusestipulationsandrestrictions• Minimumdrivereligibility:
– Age– Drivingexperienceonsimilarequipment– Studentdrivers&driveradvancement
∘ EntryLevelDriverTraining-FMCSRPart380.503 DriverqualiTication,disqualiTication,medicalrequirementsandresponsibilities
HoursofService Driverwellness—healthmaintenance,exercise,diets,alcoholabuse Whistleblowerprotection Thisisnotadrivertrainingprogram
∘ CDLschoolnotadequate∘ NeeddriverTinishingprogrambasedontheequipmentyouexpectthemtodrive
– MVR&Pastcollisions• Neverpermitdeviation
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Driver Qualification File • DOTapplicationisdifferent• RevieweachdocumentinthedriverTileonitsownmeritandasawhole
• WorkhistoryveriTication– DOT—showmultipleattemptstoobtain– Artisanjobs—documentdrivingperformanceinadditiontojobperformance
– ObtainpriortohireversusFMCSR
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Driver Qualification File • MVR
– Obtainfor:∘ Currentlicense∘ Anylicenseheldinpast36monthsatleast∘ Annually∘ Postcollision—frequentlyneglected∘ Reasonablesuspicion
– ReceivepriortoTirstdrivingassignment• Copyoflicense
– Requiredforregulatedcarriers– Privacyandsecurityissuefornon-regulatedcarriers?
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Driver Qualification File • Roadexaminations
– Companyandpersonalvehicles– Onequipmentsimilartowhattheywillbedriving– Administerineveningandbadweather– Performcommentary
∘ Vehicleinspection∘ Drivingperformance
– UseacertiTiedtrainer– Includecompanycollisiontrends– Checkrideseverytwoyears–atleast– Observeentering&exiting=3pointsystem(largevehicles)
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Driver Qualification File • Writtenexaminations
– Coverorientationtopics– Notrickquestions– Reviewincorrectresponses– Useasanevaluationofthetrainer
• Physicalexaminations– Usecompanyselectedphysicians– MustfollowDOTrequirements(ifregulated)– Ifusingnon-companyphysicians-verifytheexam– Regulatedcarriersareresponsibleforexamresults
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Driver Qualification File • Drugandalcoholscreensneeded?
– Keepregulatedandnon-regulateddriversinseparaterandompools
– Postcollision∘ Haveanationwideprogramestablished∘ Documenttimeconstraintnon-compliance
– Reasonablesuspicion∘ Havemultipletrainedobserversoneachshift∘ Donotletworkerdrivetotestsight
– Hairfollicletest?
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New Driver Revaluation • 30,60,90,180days• Review
– CSAcompliance– Hours-of-servicecompliance– MVR– Operationscompliance– Re-roadtest,includingvehicleinspections– Telematicsreports– Fatigue– Distracteddriving– Customerfeedback
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Corporate Safety Management • Safetymeetings
– Haveregularmeetings–makesureitincludesdrivingsafety
– Includedriversand:∘ Management∘ Dispatch∘ Maintenance∘ Sales∘ Otherdepartments?
• Safetydirectorshouldattenddriverorientedsafetyconferences
• Safetydispatchlock-outprogram– Anydepartmentcanlockout– Onlysafetycanunlock
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Distracted Driving Policy In Place? • Bestpolicyisnouseofcellphonewhiledriving• Handsfreeisnottheanswer
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Post Collision Interviews • Determinerootcausefactors• Provideretrainingandcoaching• Conductnewroadexamination
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Defensive Driving Programs • NationalSafetyCouncil
– ProfessionalTruckDriver– DDC(carandutilityvehicles)
∘ Instructor∘ On-line
– SmithSystem– Companydeveloped
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Telematics and On-Board Safety Electronics
• Beingusedasadispatch/locatorsystem?• Usedtomonitorandcorrectdriversafebehaviorperformance?
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Prepare Yourself
• UseA.M.BestUnderwritingandLossControlGuides
• DifferentFleetshaveDifferentExposures• Audityourprogramasifyouwere:
– Safetydirector– DOTcomplianceofTicer– Insurancecompany– CompanyCEOorowner– Plaintiffattorney– Personpurchasingthecompany– Personalinsurerofthecompanyatalllevels
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Questions & Comments?
Thank You! And
Please Use & Share What You Have Learned
Dennis Shinault, CDS Director of Loss Prevention & Safety Services
Protective Insurance Company Sagamore Insurance Company
Carmel, Indiana www.baldwinandlyons.com
[email protected](317)429-2692
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