Regulations

safety

Safety Tips For Commercial Truck Drivers

safety
There’s a lot that could go wrong on the road as a commercial truck driver. So being properly prepared, and understanding all potential safety concerns, is so important.

Taking the right approach to truck driving safety will help you avoid accidents, and truck stop safety incidents, and keep your truck working properly. In this guide, we’ll break down all the different safety elements you need to be aware of as a truck driver.

Driving Safety Tips

It’s essential that truck drivers are always doing what they can to stay safe on the roads. As a truck driver, here are some of the most important truck driving safety tips to keep in mind.

Defensive Driving

Understanding defensive driving is essential for truck driver safety. This is when you maintain a proactive mindset by anticipating hazards and prioritizing safety on the roads.

Regularly assess your surroundings and other vehicles, predict and prevent potential risks, and adapt to changing conditions. Keep a safety cushion, use communication tools, and stay calm under pressure.

Maintain Proper Following Distance

Keep a safe following distance to allow for enough reaction time. Many truck drivers agree to maintain a minimum of one truck length for every 10 mph you’re traveling.

reduce speed

Use Mirrors Effectively

It’s essential for truck and bus drivers to check their mirrors regularly and to be aware of their surroundings. Adjust them properly before starting your journey and consistently monitor blind spots.

Anticipate Potential Hazards

Stay alert and anticipate potential hazards on the road. Look ahead for brake lights, traffic signs, and changes in traffic flow to respond proactively to any challenges. Of course, always wear your seat belt.

Practice Speed Management

Always stick to speed limits and adjust your speed based on road and weather. Avoid aggressive driving and maintain a speed that allows for safe stopping distances.

Avoid Distractions

Eliminate distractions inside the cab, such as mobile phones, and focus on the road. Distracted driving significantly increases the risk of accidents in the trucking industry.

Be Mindful of Blind Spots

Truck drivers deal with larger blind spots than smaller vehicles. Be aware of these blind spots and make necessary adjustments, such as signaling well in advance before changing lanes.

Participate in Ongoing Training

Stay up to date with industry best practices and regulations through continuous training. Ongoing education can enhance your defensive driving techniques and keep you informed about the latest safety technologies and truck driving tips.

Safety At Truck Stops

Truck drivers also need to stay safe when their commercial motor vehicles are parked at truck stops. Here are a few essential tips to keep in mind about this.

truck stop

Choose Well-Lit Areas

Park in well-lit sections of the truck stop to enhance visibility and deter potential security threats.

Lock Your Vehicle

Always lock your truck when leaving, even if it’s just for a quick break. This may sound simple, but it’s essential to deter theft and unauthorized access.

Be Mindful of Personal Belongings

Keep valuable items out of sight and secure personal belongings to avoid attracting unwanted attention.

Stay Vigilant During Rest Breaks

When resting, stay aware of your surroundings. Be cautious of unfamiliar individuals and report any suspicious activity to authorities.

Use Designated Parking Areas

Park in designated truck parking areas to ensure you have enough space and avoid obstructing traffic flow.

Follow Truck Stop Rules

Always stick to any posted rules and regulations at truck stops. This includes speed limits, no-smoking zones, and other safety guidelines.

Fuel Up Wisely

Choose well-lit and reputable fuel stations. Be cautious when using your credit card and monitor for any suspicious activity at the fuel pump.

Truck Safety Checks

Beyond safety tips for driving or road conditions, keeping your truck well-maintained is vital for your safety. As a truck driver, here are a few necessary truck safety checks to keep in mind.

Vehicle Maintenance

Prioritize regular, comprehensive maintenance checks for your truck. This includes inspecting your brakes, tires, shocks, fuel filter, lights, fluids, starter, and any other critical components.

A well-maintained vehicle is fundamental for safe and efficient transportation.

truck maintenance

Brake System Inspection

Regularly check and test your truck’s brake system, including brake pads, drums, and air pressure. Properly functioning brakes are essential for effective stopping and overall road safety.

Tire Care and Inspection

Inspect your tires for proper inflation, tread depth, and signs of wear. Ensure that all tires, including the spare, meet safety standards. Well-maintained tires enhance traction and reduce the risk of blowouts.

Lighting and Visibility

Regularly inspect all lights, including headlights, taillights, brake lights, and turn signals. Proper lighting is crucial for visibility, especially during low-light conditions. This is a major factor in road safety.

Fluid Levels Check

Monitor and maintain proper levels of essential fluids such as oil, transmission fluid, coolant, and windshield washer fluid. Adequate fluid levels keep your truck running smoothly and prevent mechanical issues.

Steering System Inspection

Ensure your steering system is functioning correctly by checking for any unusual noises, fluid leaks, or difficulty in turning. A responsive steering system is crucial for maintaining control on the road.

Suspension System Check

Inspect your suspension system for signs of wear, including worn-out bushings or uneven tire wear. A well-maintained suspension system is necessary for a smoother ride and better handling.

Safety Tips for Weather

Preparing for the weather is a major part of truck driver safety. Here are a few tips to help you with this.

wet roads

Monitor Weather Forecasts

Stay informed about upcoming weather conditions along your route. Regularly check weather forecasts for potential challenges and plan accordingly.

Adjust Driving Speed

Reduce speed during adverse weather, such as rain, snow, or fog. Slowing down allows for better control, and increased reaction time, and minimizes the risk of accidents.

Increase Following Distance

Extend your following distance in dangerous weather. Wet or icy roads require more time and space to stop safely.

Avoid Cruise Control

Disable cruise control in slippery conditions. Maintaining direct control over acceleration and deceleration is crucial for safe driving in tricky weather.

Brake with Caution

Apply brakes gently to avoid skidding on wet or icy surfaces. Practice controlled braking to maintain stability.

Stay Informed About Road Conditions

Check for real-time road condition updates, especially in winter. Be aware of closures, detours, or areas prone to ice patches.

Secure Cargo in Windy Conditions

In windy conditions, ensure that cargo is properly secured to prevent shifting, which can affect the stability of the truck.

It’s a good idea to stay in contact with your dispatcher or fellow drivers to share information about weather and road challenges. Collaboration enhances overall safety.

route planning

Safety Tips For Women Truckers

Female truck drivers often face many unique safety challenges while on the road. Here are some essential safety tips to keep in mind.

Choose Well-Lit Rest Areas

When stopping for breaks or rest, opt for well-lit, busy areas. This enhances visibility, which can help with security.

Maintain Regular Communication

Stay connected with family, friends, or fellow truckers. Regular check-ins can provide a sense of security and allow for swift responses in case of emergencies.

Secure Restroom and Shower Facilities

Utilize truck stops or rest areas with secure and well-maintained restroom and shower facilities. Be aware of your surroundings and report any concerns.

Know Your Route

Familiarize yourself with the route and plan your stops in advance. This minimizes uncertainty and allows you to make more informed decisions about where to rest or refuel.

Carry Personal Safety Devices

Keep personal safety devices, such as a whistle, pepper spray, or a personal alarm, easily accessible. These tools can provide an added layer of protection in emergencies.

Invest in Self-Defense Training

Consider enrolling in self-defense classes to build confidence and learn techniques that can help you in emergency scenarios.

Establish Boundaries

Clearly communicate and assert personal boundaries with colleagues, fellow truckers, or anyone encountered during the journey. Trust your instincts and prioritize your comfort and well-being.

woman truck driver

Secure Cab Access

Ensure that your truck’s cab is properly secured when parked, especially during rest stops. Lock your doors and windows to prevent unauthorized access.

Network with Other Women Truckers

Connect with other women truckers through industry groups or forums. Sharing experiences and advice fosters a supportive community and provides valuable insights into navigating the profession.

Report Security Concerns Promptly

If you encounter any suspicious activity or feel uneasy about a situation, report it straight away to authorities or your company’s security team.

Trust Your Intuition

Always trust your instincts. If something feels off or uncomfortable, take action to prioritize your safety, whether that means changing your route or seeking assistance.

Final Thoughts

Truck drivers can face all kinds of dangers on the roads. However, by being properly prepared for them and proactively focusing on your safety, you should be able to avoid these issues.

Make sure you take care of your vehicle, follow the right driving safety precautions, and understand how to stay safe in your surroundings. This will make your life as a truck driver far easier and more enjoyable.

Looking to purchase a new semi-truck? Then get in touch with us at Mission Financial Services, where we make gaining truck financing easy for everyone.

truck driver log

How Long Can Semi Truck Drivers Drive

truck driver log

The Federal Motor Carrier Safety Administration (FMCSA) limits how long semi-truck drivers can drive in the U.S. to minimize the number of trucking accidents caused by exhausted truckers.

Understanding these limits is crucial if you’re looking to start your career as a truck driver. Violating these laws comes with penalties that might end your career before it kicks off.

Here’s everything you need to know about the FMCSA’s hours of service regulations to help you get started on the right foot.

What Are the Hours of Service Rules?

Hours of service regulations are guidelines FMCSA puts in place to ensure commercial truck drivers are not overworked. They outline how long a semi-truck driver can:

  • Drive at a time without stopping to take a break
  • Be on duty – this includes participating in non-driving work
  • Be off duty before starting their next shift
  • Work within a given period

Since truck drivers don’t follow conventional office work hours, the hours of service rules are based on the total number of hours worked instead of specific daytime hours.

8-Hour Rule

Truck drivers can drive for eight consecutive hours before taking a mandatory 30-minute break to rest and recharge. It’s critical to note that any non-driving period or interruption of at least 30 minutes straight satisfies this rule. A break includes having lunch, resting in the sleeper berth, or on duty but not behind the wheel.

work hours

11-Hour Rule

As a truck driver, you can only drive for 11 hours maximum within a 14-hour window. Once you reach 11 driving hours, you must spend a minimum of 10 consecutive hours off duty before you start another 11-hour shift.

Remember, you cannot drive for these 11 hours consecutively due to the 8-hour rule. You’d have to take a 30-minute break after traveling for 8 hours without a 30-minute-long interruption.

14-Hour Rule

The 14-hour rule specifies that truck drivers can only work a maximum of 14 hours per day or duty period. After 14 hours, the driver has to rest for ten consecutive hours, even if they haven’t exhausted their 11 hours of maximum driving time.

That means, if you want to maximize the 11 hours of driving time per shift, you’ll have to do it within 14 hours from the moment you start work. Starting your shift at 6 a.m. means you have until 8.00 p.m. (14 hours later) to end it.

Within this 14-hour window, you can only drive for 11 hours (following the 11-hour rule above). The remaining 3 hours are for performing other non-driving tasks like having meals, unloading the truck, fueling, handling repairs, etc.

60/70-Hour Limit

The 60/70-hour limit governs truck drivers’ weekly driving hours, calculated over a rolling schedule. Drivers can work up to 60 hours in seven consecutive days or 70 hours in eight days. Resetting requires 34 consecutive hours off duty.

It’s worth mentioning that all these regulations apply specifically to property-carrying truckers.

Passenger-carrying drivers, for instance, have a 10-hour driving limit and a 15-hour limit on their work day. Their resting period after every shift is less – 8 consecutive hours instead of 10.

weather

Exceptions to Hours of Service Regulations

It is important to note that there are some exceptions to the hours of service regulations.
Sleeper Berth Provision
This provision lets you split the ten consecutive hours of rest you need after every 14-hour on-duty period into two periods, as long as:

One off-duty period lasts at least 2 hours
The other involves spending a minimum of 7 consecutive hours in your sleeper berth

All sleeper berth pairings should add up to the required 10-hour off-duty period for property-carrying truckers and 8 hours for passenger-carrying drivers.

Adverse Driving Conditions

FMCSA allows you to extend your daily driving time by 2 hours if you experience adverse driving conditions. But, you must still follow the 14-hour and 30-minute break HOS regulations.

These include any challenging road conditions you were unaware of before you started your journey. They may have led to slower driving, causing unexpected delays. Some examples of such conditions are bad weather, road construction, and heavy traffic due to an accident.

Short-Haul Exception

Under this exception, qualifying drivers can extend the 14-hour workday limit by 2 hours to 16 hours.

You are eligible for this exception if you only drive within a short 150-air mile radius from your typical workplace and often return to this place after every shift. Most times, such drivers are exempt from keeping their daily logs.

sleeper berth

What Are Daily Driver’s Logs?

Drivers’ logs are records about how semi-truck drivers spend their hours on the road. Truckers manually fill in how they spend their non-driving time, whereas electronic logs automatically capture their driving time. Doing this ensures all drivers comply with the required hours of service regulations.

A typical daily truck driver’s log contains four categories of info:

  • Driving information—time spent operating the truck behind the wheel
  • On duty (not driving)—time spent conducting non-driving duties, like loading and unloading the truck, carrying out inspections, etc.
  • Sleeper berth—hours spent resting inside the sleeper berth
  • Off duty—time spent away from all kinds of trucking work

Who Must Comply With These Regulations?

All drivers who drive commercial motor vehicles across state lines must comply with the HOS regulations set by FMCSA. A commercial motor vehicle refers to any truck or trailer that:

  • Weighs 10,001 pounds and above
  • Has a gross combined weight rating (GCWR) and gross vehicle weight rating (GVWR) of 10,001 pounds or more
  • Transports hazardous material in large quantities, requiring placards

Penalties for Breaking HOS Rules

A few penalties that kick in if you break the HOS rules include:

  • Being placed out-of-service until you get enough off-duty time to stay in compliance
  • FMCSA imposes a fine of $1,000 to $11,000, depending on how severe the violation was
  • State and local law enforcement agencies can also charge additional hefty fines
  • The safety ratings of trucking companies decrease after repeated violations
  • You, the trucking company you work for, or both may face criminal charges

Final Thoughts

Following the hours of service rules is critical for your safety and the safety of other road users. It also ensures you have a successful truck driving career on the right side of the law.

We’ve provided a general overview of legal driving hours for truckers, but state regulations may vary slightly. Always verify the specific requirements in your state to ensure compliance.

If you’re looking to launch your trucking career, check out our resources on the different jobs commercial truck drivers do and what to expect from the position to prepare yourself adequately.

We also offer various commercial vehicle loans and can help you purchase your first truck with ease if you want to start as an independent trucker. Reach out to us to learn more about this.

How To Handle A Fatal Semi-Truck Accident

How To Handle A Fatal Semi-Truck Accident


Handling a fatal semi-truck accident is more complex than handling an accident involving regular cars.

Semi-trucks are subject to strict regulations that may not apply to regular cars. You must comply with all the FMCSA semi-truck accident regulations to be safe.

Additionally, more than one party can be liable for the crash. You need to handle the truck accident in a way that protects your rights to compensation for all injuries and damages incurred.

There are nine steps you should take to abide by the law and optimize your chances of maximum compensation. This will help you deal with the aftermath and get back on track sooner.

Handling a Fatal Semi-Truck Accident: 9 Steps

Some truck accidents lead to severe injuries or fatalities. It can be terrifying, but you must stay at the accident scene and avoid panicking.

If you leave the accident scene before following due process, you risk losing your truck driving license or having criminal charges filed against you. Doing this also reduces your chances of getting compensated for any damages. Here’s how to handle a fatal semi-truck accident correctly.

At The Accident Scene

Step 1: Confirm That Everyone is Safe

In a fatal truck accident, your safety and that of your passengers should be your top priority. If you’re injured, stay still until help arrives. If you’re uninjured and can move, check on other occupants of your truck and occupants of other vehicles involved.

Avoid moving any injured victims, as it may make their condition worse.

Step 2: Call Emergency Services

Call 911 to get first responders dispatched to the accident scene as soon as possible. In most states, calling the police to the scene and filing a report is mandatory if the crash led to severe injuries, multiple fatalities, or extensive damage to vehicles.

When dealing with the authorities and any other party approaching you, words matter. Be careful not to admit fault to anyone in any way when giving an account of what happened. Anything you say throughout the investigation can work as evidence against your claim.

Step 3: Collect Evidence

Start building your case by documenting the accident scene. Take pictures of the damage incurred to use as evidence when proving your claim to insurers or the court should your case get to trial. Specifically, take photos of the following:

  • Your semi-truck and the damage sustained
  • The other vehicles involved in the crash
  • Skid marks, shattered glass, and other physical evidence on the ground, such as car parts
  • Landmarks and street signs to show the location of the truck crash

Often, fatal truck accidents cause a traffic build-up and are newsworthy. You might get tempted to share photos of the scene on your social media pages, but don’t do it. Your online post could weaken your claim and reduce the settlement amount.

Step 4: Get Information on Those Involved

It’s also critical for you to get the details of everyone involved in the crash. In an accident including another semi, pickup, and a cab, the following info may come in handy:

  • Drivers’ names and addresses
  • License number of the other semi-truck driver plus the trucking company they work for
  • The plate number of the semi and further identifying details like the make or model
  • Insurance company info, including policy number
  • Eye witnesses’ names, phone numbers, or addresses
  • Generally, the more information you get, the easier it is for you to file a personal injury claim correctly if you were not the at-fault party.

After The Accident

Step 5: Seek Medical Evaluation and Document Treatment

Seek medical evaluation even if you feel fine. Keep all medical records, including your expenses, safely. You may need these to submit with your claim.

As a company truck driver, you must take post-accident alcohol and drug tests following applicable federal alcohol testing requirements. Your employer is required by law to ensure this happens.

Step 6: Get The Vehicle Appraised

If you’re an independent truck driver or owner-operator, get your semi-truck appraised to evaluate the damage and estimate the repair cost. Ensure you follow the vehicle appraisal guidelines your insurer requires so they don’t refuse to settle your claim.

For those with towing add-on coverage, you can have your vehicle towed. However, request the mechanic not to repair any damage until you clear the vehicle with your insurer.

Step 7: Contact a Commercial Semi-Truck Accident Lawyer

Consult a qualified semi-truck accident attorney before reaching out to your insurance company. The lawyer will help you identify the legal routes you can take and how much in settlement you deserve. Your legal team can also help you handle multiple insurers and deal with any lawsuits you may face.

Step 8: Alert Your Insurance Company

Once you know your legal stand, alert your insurance company and file a claim. Ensure you do this within the time frame specified by your insurer to avoid denial of coverage.

You may also want to file settlement claims with the insurers of all the parties responsible for the accident if you were not at fault. These may include your trucking company, vehicle manufacturers, repair companies, government entities, etc. It’s best to let your lawyer handle this so you can get maximum compensation from each party.

Step 9: Complete Repairs or Get a New Semi

The last step is to get your truck repaired to get back on track. You can also opt to purchase a new semi if the one you have is irreparable. Mission Financial Services can help finance your commercial vehicle loan repairs or new semi-truck purchase. Here’s a step-by-step guide on financing a semi-truck you can follow to get the help you need.

Conclusion

It’s worth emphasizing that you should avoid talking to the representatives of insurance providers (including your own) before consulting your lawyer.

Insurers almost always put their interests first, and they’ll offer less than you deserve. This will happen from when the accident occurs until a fair settlement is reached, so you must stay vigilant throughout.

For more information on financing your truck’s repairs or buying a new one after a truck accident, contact us at Mission Financial Services. We are always ready to help you get your life back on course and can customize our financing options to your specific situation.

accident 3rd party

What to Do in an Accident With Semi Truck

As a truck driver, you’ll need to know precisely how to deal with a semi-truck accident if one happens.

While it’s essential to know how to avoid accidents in the first place, accidents still happen all the time. Nearly 388,000 truck accidents happen annually across the U.S.

If you can’t prevent the accident from taking place, the best thing you can do is to deal with the accident as efficiently as possible. Each accident is different and will come with its challenges. However, the same general process can be followed after an accident occurs.

Here are the steps you should follow if you’ve experienced a semi-truck accident.

What to Do in an Accident With Semi Truck: Steps to Follow

Check for Injuries

First and foremost, check yourself and others involved for any injuries. While there’s much to consider during a truck accident, safety should always be your priority.

If anyone is injured, call 911 immediately to request immediate medical attention. Even minor injuries should be reported, as a complete medical evaluation may reveal the injuries to be more severe than suspected.

Identifying possible injuries will also help you understand how best to deal with the truck accident in terms of moving vehicles and clearing up any wreckage.

Once emergency services have been notified about any injuries, you can move on to dealing with the semi-truck accident.

call law enforcement
Move to Safety

If possible, move your vehicle to the side of the road or a safe location to avoid further accidents. Turn on hazard lights to alert other drivers.

This isn’t possible for some truck accidents, and it’s not a good idea to try to move any vehicles if they’re in hazardous situations. However, if your vehicle is alright and you can clear the road without causing any harm, then try to do this.

Before moving the vehicle, though, you’ll want to take pictures of the car accident. This is important for the truck accident investigation – more on this later.

Call Law Enforcement

Once the scene is as safe as possible, the next step is to alert the authorities about the truck accident.

Contact the police to report the accident, even if it’s minor. Having an official report can be valuable for insurance claims and legal purposes. If you’re a truck driver who crosses state boundaries, it’s wise to know which local law enforcement numbers to call for each state you travel through.

Exchange Information

You’ll need information to contact the other driver’s insurance company. Make sure you exchange this information before departing the scene of the accident.

Exchange contact, insurance, and driver’s license information with the other driver. Include their company name, contact number, and any relevant details. Semi-truck accidents can sometimes be tricky to report and follow through with insurance, but having the other driver’s contact details will help the process.

Gather Evidence

An essential part of dealing with a semi-truck accident is gathering enough evidence to report the accident to your insurance company.

If it’s safe to do so, take photos of the accident scene, the positions of the vehicles, any damage sustained, and road or weather conditions. Taking videos with your mobile phone will also be useful.
The more detailed your documentation is, the better, as this will all help make the insurance claims process go faster. So, take your time carefully documenting the scene of the accident.

Obtain Witnesses

If there were any witnesses to the accident, ask them for their contact information. Their statements can provide valuable support for your case.

While this isn’t always possible or necessary, having an extra witness statement is always helpful to help with any legal claims or police reports.

Limit Communication

While exchanging information with the involved parties is essential, avoid discussing fault or assigning blame at the scene. Stick to the facts when talking to the police, other drivers, and witnesses.

Always try to keep a cool head and focus purely on the accident and how best to deal with it. While your emotional condition can be difficult after a semi-truck accident, staying calm and collected will make the process easier to manage.

Contact Your Insurance Company

As soon as you’ve dealt with the accident, notify your insurance company about what happened. They will guide you on the necessary steps for filing a claim and getting compensation.

Having reliable insurance is one of the most essential parts of starting a trucking company. Once you’ve found the right commercial truck insurance provider, ensure you know how to reach them in an emergency.


Seek Medical Attention

Even if you don’t feel seriously injured, seeking medical attention after an accident is always advisable. Some injuries might not be immediately apparent and could become more significant as time passes.

Avoid Settlement Agreements

While this differs from case to case, it’s generally best to avoid settlement agreements immediately.

Do not sign any settlement agreements or release forms from the trucking company or their insurance representatives without consulting your legal counsel. Make sure you deal with a lawyer when going through settlement negotiations. This will help you get the best deal and compensation for your situation.

You must consult an attorney if the accident resulted in significant injuries, damages, or disputes. Try to consult with a personal injury attorney specializing in commercial vehicle accidents. They often offer a free consultation – so make use of these.

Conclusion

Semi-truck accidents may be the last thing you’ll ever want to deal with. However, they sometimes cannot be avoided.

Knowing how to deal with these accidents will help you get through the accident faster and safer. Following the proper steps will also make it easier to get an appropriate settlement after the accident.

If you need to purchase a new semi-truck, you may need to find the right financing solution to make it happen. Get in touch with us at Mission Financial Services, where we help all kinds of commercial truck drivers access the financing they need to purchase a semi-truck.

Commercial Vehicle Accident Lawyers You Should Know About

Commercial Vehicle Accident Lawyers You Should Know About

Commercial Vehicle Accident Lawyers You Should Know About

Navigating a car accident involving commercial vehicles is often challenging. Still, the right commercial vehicle accident lawyers can make things less complicated.

With the right commercial car accident lawyers, going through the claims process to get adequate compensation from an insurance company becomes simple. The lawyers guide you while handling almost everything on your behalf.

There are two types of commercial vehicle accident lawyers you should know about. We discuss this in detail below and share a few insights on what to consider when looking for a commercial vehicle accident lawyer.

Commercial Vehicle Accident Lawyers: Why Do You Need One?

If you find yourself in an accident involving commercial vehicles, the two types of commercial accident lawyers you can turn to for help in seeking compensation include:

  • Regular car accident lawyers
  • Commercial truck accident lawyers

Both types of accident lawyers fall under the category of personal injury lawyers. Still, they differ in terms of the cases they work on.

Regular car accident lawyers work on all vehicular accident cases, including those involving commercial motor vehicles like buses and taxicabs. In contrast, commercial truck accident lawyers specialize in truck accident cases.

For accidents involving commercial trucks, such as semi-trucks, tanker trucks, and delivery trucks, it’s best to get an experienced truck accident lawyer instead of a regular car accident lawyer.

truck accident

Why You Need Commercial Truck Accident Lawyers for Truck Accident Cases

You should get experienced trucking accident lawyers for all truck accident lawsuits and not any other type of personal injury lawyer for the following reasons:

Truck Accidents Are Fatal

The size and weight of large trucks make truck crashes more fatal than accidents involving other vehicles. Truck accident victims may suffer life-changing injuries requiring immediate medical attention and additional long-term treatments.

An experienced truck accident attorney is better positioned to calculate the amount of settlement you deserve based on the damages incurred. These may be:

  • Economic damages: These include current and future medical expenses, lost wages, loss of earning capacity, property damage, and legal fees.
  • Non-economic damages: These include mental anguish, fear, anxiety, and any other emotional pain and suffering experienced because of the accident.

Truck accident attorneys can also help you access medical treatment on a lien basis if you cannot pay for medical expenses upfront.

Truck Accidents Are Complicated

Semi-truck accidents happen due to a combination of factors. This means more than one party might be legally responsible for an accident involving large commercial vehicles.

For example, a truck crash may occur due to driver error. Say the truck driver failed to stop on time and collided with other commercial vehicles. The error might have happened because the truck driver was asleep or the vehicle malfunctioned.

In this case, four different entities might be liable for the truck crash:

  • The truck driver: Was the driver driving under the influence?
  • Truck company: Did they require the truck driver to be on the road for too many consecutive driving hours, leading to driver fatigue?
  • Truck manufacturer: Did the malfunction occur due to a manufacturing defect?
  • Truck maintenance company: Did the malfunction happen as a result of poor maintenance?

It’s easier for experienced commercial vehicle attorneys to identify all the parties responsible for the truck collision above and pursue compensation from each one.

Regular personal injury lawyers might find this challenging. So, your chances of getting maximum compensation from multiple liable entities are higher when you get a trucking accident lawyer.

Tractor Trailer Accident Cases Are Tedious and Time-Consuming

The stakes are higher in trucking accident cases than in other personal injury cases. Because of this, insurance companies usually employ underhand tactics to make truck accident victims settle for less than they deserve.

Some of these tactics include intimidation and delayed responses to an accident claim. Truck companies might also put up a fight. They’ll try to interfere with the case by wiping out evidence incriminating them or their commercial drivers.

You need aggressive legal representation to handle several insurers of all liable parties identified in a truck accident claim. This can be tedious, time-consuming, and overwhelming for regular car accident lawyers. On the other hand, commercial truck accident lawyers have mastered truck accident law. They can help you quickly navigate trucking accident cases.

What to Look For in a Commercial Vehicle Accident Lawyer

Consider the following factors to find the best truck accident lawyers when you need one:

Detailed Free Consultation

Most law firms offer free case evaluations for truck crash victims. You can always tell how much effort an accident law firm will put into your case from how they handle this initial free consultation.

Experience

An accident law firm handling sizable commercial truck accident cases for decades likely has more experience than a newly established truck accident law firm.

History of Success

How many truck wreck cases has the commercial vehicle accident attorney worked on, including those they’ve taken to trial and succeeded? The answer to this question is often a good indicator of a lawyer’s expertise.

Availability of Resources

Proving fault in commercial truck accidents requires resources. You want to ensure your legal team has enough resources to handle your case. The right resources should include expert witnesses like economists, truck accident reconstructionists, and trucking industry investigators.

Fees

Ensure you understand how a law firm charges for their services before you work with them. Usually, truck accident attorneys operate on a contingency. They’ll take a cut from your settlement.

Final Thoughts

Accidents involving semi-trucks are common even though FMCSA enforces strict safety regulations for trucking companies and their commercial drivers. Their impact is devastating and can lead to severe injuries that affect your work.

You need a qualified commercial truck accident lawyer to help you get the settlement you deserve for all damages incurred in a crash. This might not remove the pain, but it can ease the financial burden of dealing with the aftermath. So, you can focus on bouncing back.

To learn more about finding the right semi-truck accident lawyer for your case, check out our blog.

Can I Buy A Semi Truck Without CDL

Can I Buy A Semi Truck Without CDL? (And Other FAQs)

Can I Buy A Semi Truck Without CDL

We’ve put together this article to answer some of the most common questions we get from first-time semi-truck buyers.

Most of the inquiries are about commercial truck financing. These include:

  • Can I buy a semi-truck without CDL?
  • Can I own a trucking company without CDL?
  • How to buy a semi-truck without CDL?
  • How does semi-truck financing work?

Let’s discuss these FAQs in detail. You’ll learn everything you need to know to get into the transportation business.

1. Can I Buy A Semi Truck Without CDL?

The short answer is yes. This is because the person buying the truck can be different from the one who’ll do the driving.

In the trucking industry, we refer to individuals considering buying a commercial truck without a Commercial Driving License (CDL) as investor buyers. Say you’re looking to start a trucking business with a partner. You can be the investor buyer and your partner will be the driver. In such cases, a commercial driver’s license will be a requirement for the driver.

It is worth noting that there are several restrictions on, and fewer programs for, financing truck business owners without a CDL. That’s because most lenders in the transportation business review the asset you want to finance.

If the product requires a special license to operate, they’ll be interested to know whether you hold the required license. You’ll need a CDL to get funds from these lenders. Some semi-trailer financing lenders might request to know the years of experience with the CDL.

piggy bank

Generally, CDL drivers with more years of experience are lower-risk borrowers than those with less driving experience. Mission Financial Services is more forgiving, especially for first-time buyers. We finance drivers with limited CDL driving experience, including new owner-operators. Learn more about accessing commercial vehicle loans for first-time buyers.

2. Can I Own A Trucking Company Without A CDL?

Yes, you can. However, you’ll have to employ commercial vehicle drivers with a CDL to help you operate the company.

Hiring competent drivers might seem like a daunting task, and it can be. But it’s worth every effort because starting your own trucking company is a good investment.

The trucking industry is one of the most profitable industries in the U.S. It is worth over $700 billion and moves more than 70% of the total freight in the U.S.

That said, there are some things you need to know before you start your trucking business without a driver’s license.

What To Know Before Starting A Trucking Company Without A CDL

We’ve listed them below to help you see whether becoming a semi-truck business owner without a CDL is the right option for you.

1. Start-up costs: Starting small businesses requires money. It’s more costly if you don’t have a license. You’ll need enough funds to get a qualified driver and cover their pay until your business picks up.

meeting

Remember, you must hire a truck driver with the right qualifications. For instance, if you transport hazardous materials, you’ll need a driver with a class c CDL.

They have the driving experience to drive semis with dangerous materials across state lines. This is in accordance with the Hazardous Materials Transportation Act.

2. Insurance: There are different types of insurance needed to start and operate your own trucking company. Some examples include:

  • Insurance for commercial vehicles.
  • Insurance to cover the goods you transport.
  • General liability insurance to cover the entire business.

3. Trucking authority: You must provide proof of complying with all federal and state laws to get paid to haul cargo. Essentially, this is what the trucking authority helps you to do.

Getting a trucking authority involves filling in paperwork from the USA Department of Transportation (USDOT). You’ll be issued a USDOT number, and an MC number, among others.

Check out this article on getting your trucking authority to learn more about how this works.

3. How To Buy A Semi Truck Without CDL?

If you want to purchase semi-trucks for commercial use, the most affordable way is to get a loan. This is because commercial semi-trucks are pricey. A new truck costs about $80,000, but factors like fuel efficiency, horsepower, and cargo capacity can increase their prices to around $200,000.

Apart from the government’s SBA loan, several companies can finance your purchase. But, as we mentioned earlier, very few are willing to help you buy a semi-truck without a CDL.

Still, you can find different financing options to get a truck for commercial purposes without a CDL. It all depends on the in-house financing programs of lending trucking companies. Often, you’ll have to make a significant down payment and have some experience in the trucking business.

Man showing man documents

Some of the most common options you have to buy a truck without a CDL include the following:

CDL Driver Guarantee

CDL driver guarantee is the most popular option for first-time buyers, although it involves a trucking partnership. Meaning you have to apply for funding as a team.

One team member, the designated driver, must have a commercial driver’s license. They then guarantee the person without a CDL. It’s critical to note that both team members have to sign a finance agreement. So, choose the right partner if you take this option.

Minimum Three Years Of Experience Within The Trucking Industry

Another great financing option lenders provide for drivers without a CDL includes a minimum of three years of experience in the trucking business.

This is the best semi-truck financing option for individuals active in the transport business, who are now looking to become business owners.

You might have experience in dispatching or the freight brokering industry. You’ll require a down payment starting from 35% for this option.

4. How Does Semi-Truck Financing Work?

Most semi-truck financing programs offer you cash as a loan to buy different types of semi-trucks for commercial purposes. However, others provide an equipment lease instead.

Choosing the equipment lease option means making payments for using the truck for a specific period, known as a lease term. When this term expires, you can either walk away or buy out the truck’s remaining value and own it.

On the other hand, getting a loan guarantees ownership of the truck when you finish repaying the loan. The terms of the loans depend on the type of truck you’re looking to buy and other factors.

You can get loans for small trucks, big rigs or semi-trailers, warehouse trucks, delivery trucks, and more. These loans are known as secured loans because the vehicle acts as the collateral for the loan.

loan agreement

At Mission Financial Services, we offer both types of commercial truck financing – loans and leases. Our financing programs are flexible. We take into account different types of buyers and their specific credit situations.

With us, you can access various direct or dealership lending options even if you have bad credit. Read our comprehensive step-by-step guide on commercial vehicle financing to learn more.

5. What Are The Financing Requirements For A Semi-Truck?

Lenders look at several factors to determine your eligibility for truck financing. Some include:

  • Business owner or driver’s CDL experience.
  • Down payments.
  • Credit score.
  • The specs of the truck you want to purchase, such as model, year, make, and overall condition.
  • Several documents, including those from the US department of transportation.

papers

Final Thoughts

If you’ve been wondering, “Can I buy a semi-truck without CDL?”, we hope you have the answer!

Becoming a trucking business owner is a gateway to financial independence, especially if you have the right financing partner. Mission Financial Services takes pride in being a commonsense lender and offers various affordable loan options.

Our loan approvals come as simple interest contracts that have limited terms. This helps you to quickly build equity in the loan you’re financing and to avoid additional charges. We also work with all major credit bureaus. So, you can have a chance to turn your credit around if you’ve been struggling with bad credit. Start your credit application with us today!

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