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How Long Can Semi Truck Drivers Drive

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.

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.

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.

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.

Best Semi Truck For Owner-Operators

Whether purchasing your first truck or upgrading to a newer model, buying a semi-truck is a significant investment that requires many considerations. As an owner-operator, your truck is the most essential piece of equipment that your entire business relies on. So, choosing the right truck is vital.

There are many types of semi-trucks out there, each catering to different trucking needs and preferences. The type you choose should be carefully selected based on the specifics of your trucking business.

In this guide, we’ll break down some of the most important things to remember to help you choose the right semi-truck as an owner-operator.

Choosing The Truck For New Owner Operators

As a semi-truck owner-operator, one of the most critical business decisions you need to make is choosing the right truck for your business. Unfortunately, there’s no single “best truck” for owner-operators.

Picking your semi-truck brand and model depends on your preferences and the type of work the truck will do. Of course, different trucks offer different benefits. These include improved fuel efficiency, greater power, increased comfort, and advanced features, like driver performance assist.

However, the vehicle you choose should depend on the type of work you do in the trucking industry and what kind of truck you prefer.

Points To Consider When Buying A Semi Truck

There’s a lot to consider when choosing the right semi-truck for your business needs. Here are a few important considerations to ensure you select a reliable semi-truck.

Budget Wisely

Determining a realistic budget is the all-important initial step in choosing a semi-truck. Consider not only the upfront cost but also ongoing expenses like maintenance, fuel efficiency, insurance, and potential repairs.

Once you have a budget, you can narrow down your list of semi-truck brands, models, and years.

Age of the Truck

Decide whether you prefer an older or newer truck.

Newer trucks generally offer updated technology, better fuel efficiency, and fewer maintenance issues. Older trucks might be cheaper initially but may require more frequent repairs.

Some drivers prefer older classic American semi-trucks as a personal choice, while others like the latest models from truck manufacturers. Of course, your budget will also dictate how old or new your chosen truck will be. Just keep in mind that financing older trucks can be more difficult.

Technical Requirements for Routes and Freight

Assess the technical specifications required for your trucking business.

Consider factors like engine power, axle configuration, load capacity, fuel efficiency, and adaptability to different road conditions. If you need to haul oversized loads or unique cargo (like a tanker), then make sure your truck aligns with these needs.

Cab Type – Day Cab or Sleeper

Determine whether you need a day cab for shorter routes or a truck with a sleeper compartment for long-haul trips. Sleeper cabs offer resting space and amenities for drivers during overnight stops.

Semi trucks with a sleeper cab are more expensive but they are necessary for long-haul trucking.

Transmission Preference

Decide between a manual transmission for more control or an automated manual transmission (AMT) for ease of use and potentially better fuel efficiency. This really just comes down to your personal preference for driving.

State Regulations on Vehicle Emissions

Understand the emission regulations in the states where you operate. Some areas have strict emission standards that might affect your choice of truck or require additional modifications.

Business Operator Strengths

Consider your strengths as a business operator.

Are you proficient in maintaining and repairing vehicles, or do you rely heavily on maintenance services? This can influence the type of truck that best suits your operation.

Truck Make Preference

Do you have a preferred truck manufacturer based on reputation, previous experience, or reliability? Choosing from the best semi-truck brands that you trust is always a good call.

Must-Haves

Identify any specific features or necessities that you need for your operations.

This might include advanced safety systems, comfort amenities, specific engine specifications, or warranty considerations.

Best Trucks For Long-Haul

Choosing the right truck for long-haul operations should come down to the vehicle’s reliability, comfort, fuel efficiency, and performance.

While this can vary depending on specific preferences and needs, here are some of the most popular options for long-haul trucking.

Volvo VNL Series

These trucks have earned a reputation for their comfort, safety features, and fuel efficiency. They offer various sleeper cab options and advanced technology for long-haul comfort.

Freightliner Cascadia

These trucks have gained recognition for their fuel efficiency and aerodynamic design. This truck provides a range of sleeper cab configurations and advanced driver-assistance systems.

Kenworth T680/T880

The durability and driver comfort of these Kenworth trucks are renowned. They offer customizable options for sleeper cabs and fuel-efficient engines.

Peterbilt 579/587

The main focus of these trucks is on fuel efficiency and aerodynamics. They provide sleeper cab options and have a reputation for reliability.

Mack Anthem

People know the Mack Anthem for its ruggedness and advanced safety features. This truck offers various sleeper cab configurations for long-haul comfort.
International LT Series

These popular trucks focus on providing driver comfort and fuel efficiency. They include sleeper cab options and advanced technology for long-haul operations.

Best For Short-Haul Trucking

For short-haul trucking, where frequent stops and local deliveries are common, versatility, maneuverability, and efficiency are crucial. Here are some of the most reliable semi-trucks for these types of operations.

Isuzu NPR Series

This type of truck is known for its compact size and maneuverability. It’s ideal for urban deliveries and smaller loads with good fuel efficiency.

Ford F-650/F-750

These trucks offer a range of configurations suitable for various short-haul tasks. They’re known for their reliability and versatility for local deliveries.

Hino 155/195 Series

These are compact and efficient trucks suitable for urban deliveries. They’re known for their maneuverability and reliability in city driving.

Freightliner M2 106

The Freightliner are versatile and customizable trucks for various short-haul applications. They offer good maneuverability and fuel efficiency for local deliveries.

Chevrolet Silverado/GMC Sierra 4500/5500

These are solid and reliable trucks suitable for smaller-scale short-haul operations. They provide excellent versatility and ease of maneuverability for urban deliveries.

Ram 5500 Chassis Cab

These international trucks offer multiple configurations suitable for various short-haul tasks.
They’re known for their durability and capability for local deliveries.

Best For Local Trucking

Local trucking involves frequent stops, city driving, and shorter distances. So, you’ll want trucks that offer maneuverability, durability, and efficiency in urban environments. Here are some of the most popular options.

Isuzu N-Series (NPR/NQR)

Known for compact size and maneuverability, these trucks are ideal for urban deliveries. They offer good fuel efficiency and durability for local routes.

Ford Transit

A versatile truck that’s available in various sizes suitable for local deliveries. These trucks provide excellent agility and efficiency for navigating city streets.

Mercedes-Benz Sprinter

This popular type of truck offers multiple body styles and configurations for local cargo transportation. It’s known for its comfort, efficiency, and maneuverability in urban settings.

Chevrolet Express/GMC Savana

Chevrolet Express are versatile vans suitable for various local delivery tasks. They’re durable and offer ample cargo space for urban deliveries.

Ram ProMaster

These smaller trucks offer customizable options for local cargo transportation. They’re known for their maneuverability and efficiency in city driving.

Nissan NV Series

The Nissan NV Series provides various configurations for local cargo transportation. They’re durable and reliable for urban delivery operations.

5 Best Semi-Truck Brands

A massive part of choosing the best semi-trucks comes down to the brand. Here are five of the most reputable and widely recognized semi-truck brands known for their quality, reliability, and performance in the industry.

Mack Trucks

Their durability and ruggedness have made Mack trucks renowned. They’re recognized for their robust construction and strength, making them popular choices for various hauling applications.

Freightliner

Freightliner offers a wide range of trucks suitable for different operations. They’re known for their innovation, efficiency, and advanced technology in trucking.

Kenworth

These trucks generally focus on customization and driver comfort. Kenworth trucks are popular for their reliability, versatility, and personalized options.

Volvo Trucks

Volvo takes up a huge share of the truck market. Volvo semi-trucks are focused on safety, fuel efficiency, and advanced technology. Volvo trucks are known for their innovation in safety features and environmental sustainability.

Peterbilt

Peterbilt trucks offer a combination of performance and style. They’re recognized for their distinctive design, reliability, and customizable options.

Great Condition is a Priority .

Regardless of the make, model, or production year, it’s essential that the semi-truck you purchase is in great condition.

The overall quality, maintenance history, and current condition of your trucking equipment is more important than the specific brand or model you choose. Ensuring that your truck is in top-notch shape is crucial to its performance, reliability, and longevity, ultimately impacting the efficiency and success of your operations.

Regular maintenance, thorough inspections, and verifying the equipment’s condition before purchase are critical steps to ensure it meets the necessary standards for your business needs. A well-maintained vehicle will also help you avoid commercial truck accidents.

Final Thoughts

Whatever make or model of semi-truck you choose, make sure that you focus on finding a quality vehicle that has been well-maintained. Of course, the truck you choose should tick all of the right boxes for your business needs.

When purchasing a semi-truck, you’ll also need to make sure that you work with the right financing supplier. Get in touch with us at Mission Financial Services to discover just how easy semi-truck financing can be – even if you have poor credit or are looking for an older model of truck.

Do Semi Truck Accident Go Trial

Knowing what unfolds after a truck accident is crucial for everyone involved. Though not common, there are situations where the truck driver may end up in court.

If the accident results in hefty medical bills or significant damage, resolving the matter can get complicated. In such cases, you might find it beneficial to have a truck accident lawyer if the situation goes to trial. These legal experts specialize in dealing with the complexities of truck accident cases, ensuring you have the right support for a fair resolution.

To get a handle on the entire process, check out this guide. It covers all the key aspects you should be aware of when dealing with the aftermath of truck accidents, providing valuable insights to navigate the legal landscape effectively.

How Often Do Semi-Truck Accident Cases Go To Trial?

Most semi-truck accident cases are settled before they reach trial. Settlements typically happen through negotiations between the parties involved – such as the trucking company, the insurance company, and the injured parties or their legal representatives.

However, some cases of truck accidents do proceed to trial if the parties involved cannot reach a settlement or if one or both parties cannot agree on fair compensation for the damages. The case goes to court in such instances, and a judge or jury decides the outcome.

Reasons Your Truck Accident Case May Go to Court

Here are some of the main reasons why cases around semi-truck accidents might proceed to court

Serious Injuries

Serious injuries from a truck accident can lead to significant medical expenses, long-term care needs, or permanent disabilities. In such cases, pursuing a trial may be necessary to obtain compensation that covers these substantial damages.

Low Settlement Offer

Sometimes, the initial settlement offered by the insurance company or the at-fault party may be unreasonably low and insufficient to cover the full extent of damages. In some cases, the injured party may choose to go to court seeking a more significant compensation amount.

Disputed Liability and No Settlement Offer

When fault or liability for the accident is contested, and the responsible party refuses to offer a settlement or denies accountability, going to court may be necessary.

If there’s a disagreement about who was at fault or if the other party refuses to take responsibility, a trial might follow to allow a judge or jury to determine liability.

Factors to Consider in Your Semi-Truck Accident Case

All truck accidents are unique, and their cases differ. However, here are some of the most common considerations for trials involving commercial vehicle accidents.

Extent of Injuries

Assess the severity and extent of injuries suffered due to the accident. This includes immediate injuries, long-term consequences, and impact on your quality of life. Severe injuries often result in higher compensation.

Evidence at the Scene

Evaluate the evidence available from the accident scene, including photographs, witness statements, police reports, and any available video footage. Substantial evidence can significantly support your case, which is why it’s so crucial that truck drivers know what to do after a semi-truck accident.

Liability and Fault

Determine who is at fault for the accident. Investigate if the driver, trucking company, maintenance team, or other entities hold responsibility. Clear liability strengthens your case.

Insurance Coverage

Understand the insurance coverage of the involved parties, including the trucking company’s insurance policy limits. This can affect the compensation you might receive.

Lost Income and Future Earnings

Calculate lost wages due to the accident and any potential impact on future earnings or employability. This includes considering both immediate and long-term financial losses.

Statute of Limitations

Be aware of the time limits within which you must take legal action. Failing to file within the statute of limitations can bar you from seeking compensation.

Legal Assistance

Seek guidance from experienced truck accident attorneys. The right truck accident lawyers can help navigate the complexities, protect your rights, and ensure fair compensation.

What Happens if My Semi-Truck Accident Claim Goes to Trial

If your semi-truck accident claim goes to trial, both parties present evidence, witnesses testify, and lawyers argue the case before a judge or jury.

The court evaluates the evidence, listens to testimonies, and tries to determine liability and appropriate compensation.

How Long Do Cases Take to Settle?

How long a case takes to settle can vary significantly depending on factors like the complexity of the case, the extent of injuries, the willingness of both parties to negotiate, and court schedules.

Some cases settle relatively quickly, within a few months. However, more complex cases might take a year or more to reach a settlement. Cases that proceed to trial can be extended by several months or even years.

Pros and Cons of Going to Trial

Pros

Potential for higher compensation
A trial offers a definitive legal resolution when there is a dispute
Going to trial ensures that your right to pursue legal action is maintained

Cons

Trials can be very time-consuming
Trials involve legal fees, court expenses, and expert witness fees, which can be expensive
Outcomes in trials are uncertain

Pros and Cons of Settling Out of Court

Pros

Time and cost savings
Settlements provide a degree of predictability
Parties have more control over the outcome and terms of the settlement agreement

Cons

Possibly lower compensation
Once settled, the case cannot be brought to trial

Final Thoughts

As a truck driver, you should always be prepared for worst-case scenarios. Having a good truck accident attorney available can make your life a lot easier – whether an accident case goes to trial or not.

If you find yourself in an accident and need to purchase a new vehicle, then getting the right financing is essential. Get in touch with us at Mission Financial to see how easy our semi-truck financing process is.

Guide To Commercial Vehicle Fleet Insurance

Purchasing commercial fleet insurance is the most efficient and convenient way to protect your business vehicles if your company heavily depends on commercial vehicles to operate.

Having multiple cars or heavy machinery on the road or job site increases your exposure to accidents and unpredictable events. Fleet insurance mitigates all the risks your business vehicles are exposed to in a way a standard commercial auto insurance policy doesn’t.

This guide contains everything you need to know about commercial fleet insurance policies to help you get the right coverage for your business vehicles. You’ll also find a few practical tips to reduce fleet insurance costs and save money, regardless of the number of fleet vehicles you have.

What is Fleet insurance?

A fleet insurance policy is a specialized insurance coverage for companies that require multiple vehicles for business purposes.

It covers your legal expenses and offers financial protection against bodily injury plus property damage after unforeseen incidents, the same way individually rated commercial vehicle insurance does. The only difference is the scope of coverage provided.

Instead of covering each business vehicle separately, commercial fleet auto insurance allows you to put all vehicles under one comprehensive policy. Doing this has several benefits administratively and cost-wise.

Why Do You Need Insurance for a Fleet?

As a commercial fleet business owner, you need fleet insurance because of its many advantages, such as:

Adequate Financial Protection

A Commercial fleet auto insurance policy considers the heightened risks of managing a fleet and your unique business needs to ensure your company is well-protected. Without it, you might experience financial strain, preventing your business growth.

Easy To Manage

Purchasing one aggregate commercial auto insurance policy for all your company vehicles means less paperwork for your administrative staff. It’s easier to keep track of one commercial policy than to follow up on several separate policies for each vehicle. Managing claims and adjustments for many vehicles is also more straightforward with fleet insurance.

Cost-effective

Fleet insurance premiums are usually lower than the sum of the insurance premiums of several individual commercial policies. Plus, you only need to make one monthly or annual payment instead of working with multiple payment plans for each vehicle, which may include additional transaction fees.

Flexibility

Commercial fleet auto insurance covers more than one type of vehicle in a fleet. You can customize the insurance plan to cover any combination of commercial vehicles based on your business needs. For example, your fleet vehicle insurance policy may include two cars, four mini-vans, and ten semi-trucks.

Also, fleet auto insurance lets you:

Add or remove vehicles as your business scales.
Enjoy driver flexibility by insuring all your vehicles in a way that allows all employees to drive them – this is different from other auto insurance policies, like personal auto insurance, where you have to specify the drivers covered under the policy.

How Many Vehicles Are Needed For Fleet Insurance?

Most insurance companies place their fleet insurance coverage under two categories – small and large fleet commercial policies.

Trucking companies can decide what constitutes a small or large fleet for them. However, some insurance providers require a minimum of two commercial vehicles to qualify for small fleet insurance. In comparison, others require at least five motor vehicles.

As for large fleet insurance, you need at least 20 commercial vehicles to apply to some insurance companies and 30 cars to others.

Types of Fleet Insurance Coverage

Some essential commercial auto coverages offered by a fleet auto insurance policy include the following:

Comprehensive coverage – comprehensive coverage protects your vehicles from non-collision damages. These include damages due to theft, vandalism, bad weather, animal strikes, and other incidents not caused by vehicles crashing into each other.
Collision coverage – collision coverage pays for costly vehicle repairs or replacement after collisions.
Uninsured Motorist – uninsured motorist coverage covers physical damage and medical expenses if your covered fleet vehicles get involved in accidents where the at-fault driver lacks insurance.
Combined Single Limit Liability Coverage (CSL) – CSL provides two separate commercial vehicle insurance policies, i.e., bodily injury and property damage liability coverage, as one. Bodily injury liability coverage pays the medical bills of injured victims if your insured vehicle causes an accident, and property damage coverage offers compensation for any property damaged by the accident.

Factors That Influence The Cost of Fleet Insurance

Fleet insurance costs vary per insurer, but most of them consider the following factors to determine how much you’ll pay for coverage:

Policy Options – a company that purchases various coverage options will pay higher insurance premiums annually than another that gets one comprehensive bodily injury and physical damage coverage.
Industry risk – the business operations of some industries are riskier than others. Companies whose vehicles are constantly on the road are more likely to get involved in accidents and often pay more to insure their cars.
Type Of Vehicles – the type of vehicles in your fleet also affects your insurance cost. Small cars are generally less costly to insure than large trucks.
Age Of Vehicles – your fleet vehicles’ age also determines the total cost of your fleet insurance policy. Newer vehicles might cost you more to insure.
Condition Of Vehicles – insuring well-maintained vehicles is cheaper because they are safer to operate.
Value Of Vehicles – the value of your fleet vehicles also matters when insurers calculate your insurance rates. The higher the value, the higher your insurance premiums will be.
Intended Use/cargo type – commercial auto insurance for a fleet that hauls hazardous materials is more expensive than a similar auto policy for transporting non-hazardous goods.
Miles Driven – if your vehicles cover more miles, your insurance premiums will be higher because the chances of getting into accidents increase the longer a vehicle is on the road.
Driver Experience – fleet insurance costs less if your fleet drivers have more experience and their driving records are clean.
Medical Costs – medical payments also play a role in determining your insurance rates. If they increase, the amount required to pay for the treatment of those injured in an accident also increases. Some insurance companies pass these increased costs on to you by charging higher premiums.

Information You Need For Fleet and Commercial Truck Insurance

Insurance companies require several documents before underwriting a commercial fleet auto insurance policy. Here’s a list of the documentation you’ll need to apply for fleet insurance successfully:

The insurance policy declarations page of your current commercial vehicle policy is essential. This document should contain all the information about your auto insurance policy – from what the policy covers to the amount of coverage, deductibles, and policy limits.
The Vehicle Identification Number (VIN) of each commercial vehicle on your fleet and a summary of their safety features, if any.
Your commercial driver’s license numbers (CDLs) and their driving histories, including any infractions, citations, or violations
Your latest audited financial statements
Copies of your permanent lease and individual trip lease contracts
Copies of your International Fuel Tax Administration (IFTA) reports showing your vehicle mileage by state and the total mileage covered within a specified period.
Copies of your fleet maintenance programs and federal compliance reviews of your safety ratings

Ways to Reduce Fleet Insurance Costs

Here are a few things you can do to lower insurance costs and increase your profit margins:

Match Your Insurance Limits To The Degree Of Risk At Hand

Tailor your commercial auto insurance coverage to your specific business needs. You’ll only pay for the essential coverage you need, thus avoiding wasting money on excess coverage.

Attain Excellent SAFER Scores

Safety and Fitness Electronic Records (SAFER) is FMCSA’s system containing safety-related profiles and data of motor carriers. Low surfer scores mean you have several traffic violations. With a low score, you’ll pay more to insure your vehicles adequately.

On the other hand, excellent SAFER scores mean your driving record is clean, and this helps you qualify for high-quality fleet insurance at cheaper rates.

Increase Your Deductible.

Deductibles are a way of sharing FMCSA’s financial responsibility requirements for commercial vehicles with your insurance provider. It’s the amount you’ll pay out-of-pocket to cover losses after an accident before your insurer chips in. A higher deductible equals a more affordable commercial vehicle insurance policy.

Pay Your Insurance Premiums In A Lump Sum.

Paying your premiums in lump sum helps you qualify for significant discounts in most insurance firms.
Insure All Or Several Vehicles With One Insurance Firm

Most insurers also offer discounts and other incentives if the size of your fleet is large. Ask how many commercial vehicles you need to qualify for available discounts.

Improve Your Drivers’ Operating Behaviors.

Conduct ongoing training for your fleet drivers to help them maintain safe driving habits. Consistent, safe driving habits reduce your premiums.

Install Safety-Related, Risk Management Technologies

Installing safety-related technologies, like dashboard cameras, Electronic Logging Devices (ELDs), and GPS trackers, improve your vehicle’s safety while on the road and when not in use. Ensuring your vehicles are always safe increases your chances of purchasing comprehensive fleet insurance at low costs.

Final Thoughts

Fleet insurance is essential for companies with more than one business vehicle. It’s the key to securing the future of your business operation.

To purchase the right fleet insurance policy for your specific company, consider your fleet size, claims history, and the role of your vehicles in daily business use. Then shop around to identify the top 3 to 5 insurers who align with your needs and compare their insurance quotes before picking the most fitting commercial fleet insurer for your specific situation.

Check out our detailed guide about commercial truck insurance for small businesses to understand what to look for when evaluating your commercial auto coverage options. You can also visit our blog to stay updated on the latest news within the trucking industry.

How To Obtain A Commercial Truck Driver License

If you drive a commercial motor vehicle, you must hold a Commercial Driver’s License (CDL).
Getting a CDL can be a reasonably long process, depending on the type of license you’re applying for and what allowances and limitations this license holds.

It’s essential that you understand precisely what kind of CDL you need before getting involved in any commercial driving or trucking business.

We’ll break down everything you need to know in the guide below.

What is a Commercial Driver’s License?

A Commercial Driver’s License (CDL) is a specialized driver’s license required in the United States and some other countries to operate vehicles used for commercial purposes. This license allows individuals to legally drive vehicles larger or heavier than those permitted by a regular driver’s license.

Valid CDL holders are held to higher standards due to the nature of the vehicles they operate. They are subject to more stringent regulations regarding driving hours, vehicle maintenance, and compliance with traffic laws.

CDL License Classes Overview

CDLs are categorized into different commercial driver’s license classes, each allowing the holder to operate various types of vehicles based on their size, weight, and purpose.

Class A CDL

This class permits the operation of combination vehicles with a Gross Combination Weight Rating (GCWR) of 26,001 pounds or more, where the vehicle being towed has a Gross Vehicle Weight Rating (GVWR) of over 10,000 pounds.

Class B CDL

With a Class B CDL, you can drive single vehicles with a GVWR of 26,001 pounds or more or operate such vehicles towing trailers with a GVWR not exceeding 10,000 pounds.

Class C CDL

This class is for vehicles that do not fit into Class A or Class B but are designed to transport 16 or more passengers (including the driver) or transport hazardous materials.

How Do I Get a Commercial Driver’s License?

Getting a commercial truck driver’s license is a lengthy process. Here are the main steps involved.

Check Eligibility Requirements

Ensure you meet the eligibility criteria set by your state’s Department of Motor Vehicles (DMV). Typically, you must be at least 18 years old to drive within the state and 21 years old to drive across state lines or transport hazardous materials.

Apply for a Commercial Learner’s Permit

Start by applying for a CLP at your local DMV office.

You’ll need to pass the required knowledge tests specific to the type of CDL you’re seeking. These tests cover general knowledge, air brakes (if applicable), and any necessary endorsements, such as transporting hazardous materials or passenger vehicles.

Training and Practice

Consider enrolling in a CDL training program or school to learn the skills required for driving a commercial motor vehicle. Practice driving under the supervision of a licensed CDL holder to gain experience.

Schedule CDL Skills Test

Once you’ve held your commercial learner’s permit for the required period (typically a few weeks), schedule a CDL skills test with the DMV. This test includes a pre-trip vehicle inspection, basic vehicle control, and an on-road driving assessment.

Apply for CDL

Once you’ve passed all the required CDL exams, submit your application for the full CDL at the DMV office. You must pay the required fees and provide any additional information requested.

Commercial Driver’s License Program

There are a couple of stages involved in obtaining a license to drive commercial motor vehicles. Here’s a breakdown of what you have to go through.

Commercial Learner’s Permit (CLP)

Before the DMV can issue commercial driver’s licenses, you must first obtain a CLP. To do this, you’ll need to pass a written test specific to the type of CDL you’re applying for and any endorsements required for specialized driving.

The CLP allows you to practice driving a commercial vehicle under the supervision of a licensed CDL holder.

Complete Entry-Level Driver Training

Many states and employers require the completion of Entry-Level Driver Training (ELDT) from a registered training provider.

This training covers classroom instruction and practical behind-the-wheel experience, teaching essential skills and safety practices for commercial driving. ELDT often includes vehicle operation, safety protocols, regulations, and hands-on driving practice.

Commercial Driver’s License (CDL)

After obtaining a CLP and completing the required training, you must pass a skills or road test to get your full CDL.

The skills test typically consists of three parts:

A pre-trip vehicle inspection
Basic vehicle control
An on-road driving assessment

Passing this test shows your ability to operate the specific commercial vehicle you intend to drive.

Once you successfully pass the skills test, you can apply for the full Commercial Driver’s License at your local DMV office. You must submit the necessary documentation, pay the required fees, and provide proof of completing the CLP and any mandated ELDT.

Training and Testing

Training for a CDL involves both classroom learning and practical training covering traffic laws, vehicle operation, safety protocols, and hands-on driving practice.

Candidates develop skills in vehicle inspection, control, and safe driving techniques, preparing for written knowledge and practical skills tests.

Specialized endorsements for tasks like hauling hazardous materials may require additional training and testing.

Medical Certification

Medical certification is a requirement for obtaining and maintaining a CDL in the United States. It involves a physical examination by a certified medical professional who evaluates a driver’s health to ensure they meet the necessary medical standards for operating commercial vehicles.

The examination assesses various aspects of health, including vision, hearing, blood pressure, diabetes, cardiovascular health, and overall physical fitness.

Drivers must provide proof of meeting these medical standards by obtaining a Medical Examiner’s Certificate (MEC) or DOT Medical Card.

Drivers need to renew this certification periodically, usually every two years, to ensure they continue to meet the health requirements for safe commercial driving.

Endorsements, Restrictions and Waivers

Endorsements, restrictions, and waivers are extra permissions, limitations, or exceptions granted to drivers based on their qualifications or specific driving conditions. Federal law notes them on the CDL permit and controls them.

Endorsements

Endorsements are additional qualifications beyond the standard CDL that allow drivers to operate specialized vehicles or perform specific tasks. You’ll need the proper endorsement for whatever truck driver job you plan to do. This could include:

Hazardous Materials (Hazmat): Allows you to drive a truck carrying hazardous materials.
Tank Vehicles: Permits drivers to operate tankers.
Passenger Vehicles: Enables driving vehicles carrying a certain number of passengers, like buses.
School Bus: Allows drivers to operate school buses, typically requiring extra training and testing.

Restrictions

These are limitations imposed on a CDL, specifying conditions or types of vehicles a driver is not allowed to operate. Restrictions could include:

E: Prohibits drivers from operating vehicles with manual transmissions.
L: Limits drivers to vehicles without air brakes.
Z: Indicates a full air brake restriction, excluding the operation of vehicles equipped with air brakes.

Waivers

These are exceptions granted to CDL applicants under specific circumstances. For example:

Skill Performance Evaluation (SPE) Certificate: Allows drivers with specific impairments, such as missing limbs, to qualify for a CDL after passing an additional evaluation.
Vision or Hearing Waivers: In some cases, drivers with impaired vision or hearing may qualify for a waiver if they can still demonstrate the right skills or use assistive devices that allow them to drive safely.

Exemptions

Certain types of commercial drivers are exempt from holding a Commercial Driver License. Here are some examples of CDL exemptions:

Taxi and Ride-Sharing Drivers: Drivers operating taxis or ride-sharing vans that transport fewer than seven passengers are often exempt from holding a CDL.
Firefighters: Firefighters operating emergency vehicles are typically exempt from CDL requirements when performing their official duties.
Rescue or First-Aid Squad Operators: Drivers operating vehicles for rescue or first-aid purposes as part of a squad or emergency response team may be exempt from needing a CDL.
Farmers: Farmers transporting their own agricultural products, machinery, or supplies within a specified distance (usually around 150 miles) from their farms might not need a CDL.

It’s important to note that while these exemptions exist in certain states or under specific circumstances, regulations can vary by jurisdiction. So, make sure you properly understand the CDl requirements of your situation.

Final Thoughts

Commercial Driver’s Licenses are relatively easy to get if you follow the proper process and take the right steps and training. Get the correct license, and a whole new world of commercial driving opportunities opens up.

Are you planning to purchase a commercial vehicle? Get in touch with us at Mission Financial Services, where we can help you easily obtain financing.

Reporting A Semi Truck Driver

Have you ever witnessed truck drivers driving unsafely and wondered if there was anything you could do to stop them? Well, you can report their unsafe driving to relevant authorities so they can address the issue before it’s too late.

Unsafe truck drivers put all road users at risk of severe injuries or death from fatal accidents. The Federal Motor Carrier Safety Administration (FMCSA) and other state bodies provide several avenues to report such dangerous truck drivers and minimize these risks.

Learn how to report a semi-truck driver effectively below and help promote road safety.

Why You Should Report Unsafe Driving

Truck accidents have become increasingly common across the U.S. as their numbers continue to increase annually. In 2021, for instance, there were over half a million (523,796) truck accidents, up from 415,444 incidents the previous year.

FMCSA, in one of their truck crash causation studies, cites driver-related errors as the top cause of most truck accidents.

By reporting unsafe truck drivers, you alert the relevant authorities to conduct an investigation and address the issue before the dangerous truck driver causes an accident and injures people. Reporting unsafe truck drivers ensures our roads stay safe for everyone.

Unsafe Truck Driving Practices

A reckless driver violates road regulations willfully, disregarding their safety and the safety of other drivers. Such erratic behavior almost always leads to fatal accidents that cause catastrophic injuries. Some dangerous truck driving behaviors you should take note of and report include the following:

Illegal Passing

Large trucks limit on-road visibility for other drivers due to their large size. Because of this, transportation rules in most states prohibit professional drivers from passing on a curve, hill, and on the right.

Illegal passing happens when semi-truck drivers violate these regulations, limiting visibility for other drivers who require clear sight lines to avoid accidents. This unsafe driving behavior often leads to a semi-truck running other vehicles off the road.

Speeding

Some truck drivers drive too fast when trying to meet their demanding pick-up and drop-off schedules. Statistics from the Federal Highway Administration (FHA) reveal that speeding truckers often cause serious accidents that lead to fatalities because of increased forceful impact during a collision.

Failing to Yield

Most trucks don’t have the right of way. If you observe a semi-truck driver failing to yield to other drivers, report them as they’re likely to cause dangerous head-on and T-bone collisions.

Swerving

In most cases, swerving is a sign of an underlying problem that might affect the driver’s ability to control their vehicle, leading to a truck crash. The driver might be distracted, under the influence, or experiencing a medical emergency. It’s best to report such cases as emergencies (more on how to do this below).

Following Too Closely

Trucks require long distances and time to stop. Semi-truck drivers who follow other vehicles too closely can cause rear-end collisions, especially during heavy traffic and bad weather.

Camping in the Left Lane

Most states ban slow vehicles from using left lanes as their default driving lane on interstate or multi-lane highways. The left lanes are mostly for passing. Camping in the left lane, therefore, is a safety violation.

It’s an unsafe driving practice that forces vehicles to pass large trucks on the right side, where there are massive blind spots. This increases the chances of accidents occurring.

Where to Make a Report

If a truck driver’s unsafe behavior behind the wheel puts other road users in immediate danger, call 911 and report an emergency. Life-threatening driving behavior, such as swerving, counts as an emergency. The police will intercept the truck before an accident occurs.

For non-emergency cases, there are a few options for reporting an unsafe driver’s conduct, depending on your location and circumstances. Some of these include:

File a Complaint With the FMCSA

Reporting safety violations to the FMCSA is a highly effective method for maintaining road safety. The FMCSA investigates each complaint, penalizes the involved parties, and records them in the national consumer complaint database.

These complaints become a permanent part of a trucking company’s driving record, prompting companies to take necessary measures to ensure safe driving and avoid reputational damage or severe penalties.

Contact FMCSA by calling 1-888-DOT-SAFT (1-888-368-7238) or fill out their consumer safety violation complaint form if you’ve witnessed unsafe driving behaviors on an interstate highway.

Contact the Highway Patrol

To report unsafe truck drivers on intrastate roads, file a complaint with the state’s Department of Transportation, highway patrol office, or the Public Utilities Commission. These agencies oversee the safety of roads within each state and can respond quickly to prevent truck crashes.

Provide relevant information to support your complaint, including any distinguishing characteristics of the unsafe driver and vehicle, as explained below.

Report Them to Their Employer

Most trucking companies provide a phone number you can call to report any commercial vehicle driver operating their trucks unsafely. You’ll almost always find this number on the conspicuous ‘How’s my driving’ sticker at the back of many commercial trucks.

You can also email the safety director of a trucking company explaining the unsafe driving practice along with other relevant details. A responsible trucking company will appreciate your report and evaluate the truck driver to see whether they’re fit to remain behind the wheel.

What Information To Report

Your report about an unsafe driver should include specific information relevant authorities can use to conduct an investigation, such as:

The location where you witnessed the road safety violations. Specify whether the road is intra- or inter-state, its name or number, plus any cross streets, mile markers, road signs, intersections, and exits relevant authorities can use to pinpoint the location.
A detailed description of the truck and the driver – providing any stand-out characteristics, like vehicle make and color, helps a lot
Identifying information about the trucking company, such as the company name and logo
License plate number plus the Department of Transportation (DOT) number
The time and date of your observation
An explanation of the unsafe behavior

How Do You Report a Trucking Company Anonymously?

Reporting a trucking company that encourages unsafe driving among its employees is similar to reporting an individual truck driver. You use the same channels and follow the same procedures we’ve discussed.

The only difference is – you’ll have to specify why you think the trucking company allows or supports unsafe driving practices as opposed to it being an individual trucker’s poor driving habit. Have you seen most of the company’s trucks speeding past your home repeatedly despite being driven by different drivers?

Some people fear harassment or retaliation by the trucking company and might not want to go to court or actively participate in any investigations. In this case, you can make an anonymous complaint, although it might be harder to investigate.

You have every right to withhold your name and other personal details when calling in a complaint. You can also omit your personal info when filling out a complaint form and use the ‘anonymous’ tag where your name is mandatory.

Avoid providing false identification info, as this counts as a crime. Sending a letter providing the necessary details only to the relevant authority also helps to hide your identity.

Final Thoughts

When you notice an unsafe truck driver, keep yourself safe first. Drive away from the dangerous driver, and avoid tailgating, speeding up, or engaging in unsafe driving behaviors while trying to collect information to make your complaint.

You can also report unsafe driving by a trucker to a truck accident lawyer, if you or your loved ones get injured in a truck accident. The right truck accident lawyer will help you get maximum compensation for medical bills, lost wages, and all other damages sustained.

We’ve prepared several guides to help you understand how to handle a truck accident and find the most competent truck accident lawyers afterward. Check out our blog to learn more about this.