Distracted Driving
Distracted driving can be broken down into any ONE of these four categories.
What is visual distractions, physical distractions, cognitive distractions, or auditory distractions.
This governmental agency plays a major role in the administration of fleet safety regulations.
What is the Department of Transportation?
Symbol 1 is applicable to these autos
What is any auto (liability only)?
The type or category of insureds afforded the broadest coverage in the business auto coverage form?
Who is the Named Insured?
Most traditional auto accidents trigger this basic coverage.
What is collision coverage?
Many of these exist to prevent contact with a driver while their vehicle is in motion.
The "first line of defense" is this governing document.
What is the fleet safety policy?
Symbols 2, 3, and 4 refer to these autos
What is owned autos?
Thankfully these types of insureds are granted coverage when they need to use a vehicle unexpectedly.
Who are permissive users?
Losses stemming from perils such as theft, flood, and windstorms would generally be covered by this.
What is comprehensive coverage?
Any one of these 5 considerations would lead to an effective distracted driving policy.
What is any of Testing, Communication, Top Down Involvement, Active Monitoring, or Policy Updates?
PRISM can be a great resource to help with this "second line of defense"?
What is driver training?
Symbol 7 applies to these autos
What are specifically described autos?
This exclusion carves back coverage for leased autos.
What is the contractual liability exclusion?
This coverage extension is very important to have if employees are renting vehicles in the name of the business.
What is loss of use expenses?
This service RMS offers would provide the client/prospect a high level overview of their distracted driving risks and other concerns.
What is a fleet safety audit?
Regularly scheduling this is very important.
What is preventative maintenance?
The Business Auto Coverage form provides automatic coverage for these autos under most circumstances (ie w most symbols).
What is newly acquired autos?
An inland marine policy will fill the coverage gap created by this exclusion.
What is the care, custody, and control exclusion?
This exclusion can create meaningful coverage gaps for insureds that have employees who rent vehicles regularly.
What is diminution in value?
This prevention tactic can help drivers reduce the need for GPS and other potentially distracting navigation devices while on the road.
What is planning trips?
Corrective action/repairs really need to be handled this way to create proper defensibility in a lawsuit as well as to support effective fleet management.
What is documented?
The symbol used when a custom description is best needed to designate coverage?
What is symbol 10?
This exclusion would preclude coverage for a contractor who arrives at a job site, extends their cherry picker (attached equipment), and hits a phone line causing damage.
What is the operations exclusion (see GL policy)?
It's very important for insureds with larger fleets at one location to be aware that the deductible applies on this basis.
What is per auto?