W.E. Love News

Tommy’s Blog 7-21-2016 Update on URS

Blog by Tommy Ruke, The King Pin – Leading Expert in Truck Insurance

Update on URS 

For those of you who read my blog last week concerning the URS, hopefully you noted where I often said, “if the government meets their time line”. Well they did not. Thanks to Greg Feary of Scopelitis, Garvin, Light, Hanson and Feary we got an early notice of the delay. A lot of you might have this information already. I am sure we will receive more details from the FMCSA, which I will share with you. I did want you to know what we knew as soon as possible. Here is the information I was furnished:

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Tommy’s Blog – Update on URS – 7-21-2016


Tommy Ruke Blog – Nov 2015


Most of you have heard me say: “Always Blame the Government” at educational presentations. The government is at it again. What Congress starts and passes will have an impact on an insurance provider underwriting a motor carrier.

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Tommys Blog – Always Blame the Government


Canal Newsletter – Summer 2015

“I’ve worked with other carriers who just were ‘high maintenance’ – they wanted to tell us what to do and how to do it, but with little regard for feasibility in the ‘real’ day-to-day operations of our own business,” says Sheri Stuart, safety and personnel manager at Metro Xpress in Wichita, Kansas.
Having worked with Canal for nearly five years, Stuart appreciates a change in approach. Describing Canal as knowledgeable about claims, particularly larger losses, and on-top of liability issues, she has come to rely on Canal’s valuable safety resources.

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CanalConnections Newsletter Summer 2015

Tommy Ruke Blog – Crashes Not on Loss Runs



There is a difference between what a DOT reportable crash is and an accident that is reported on an insurance carrier’s loss runs.

A DOT reported crash is a crash that occurs on public highways, investigated by a DOT officer caused by a CMV with one or more of the following factors: There was a fatality, one or more persons have to have medical treatment away from the crash site (think ambulance) or one or more of the vehicles involved cannot move away from the site on their own (think wrecker). Note there is no consideration for fault, just these factors.

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Tommys Blog Crashes Not on Loss Runs

Tommy Ruke Blog – December 2014 Thoughts

I had a call from Representative Barletta’s office concerning the letter that I wrote last month and shared with you. I relayed that I felt the insurance industry is a stakeholder in the discussion and we talked about our input. She asked to be kept abreast of the MCIEF activities.

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Tommy Blog 122014

Tommy Ruke Blog – Thoughts on Current Readings

 Thoughts on Current Readings

It’s been a couple of weeks since my last blog. I’ve been on the road with programs and my 50th college reunion. Getting ready for the Annual Conference on the 16th and 17th. SOLD OUT! Wow! The second Annual Conference will have over 180 people in Orlando. I look forward to seeing everyone again.

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Tommy Ruke Blog Oct 2014

Tommy Ruke Blog – Current Issues

Congress is getting involved in concerns of motor carriers with FMCSA. The results of Congress’ actions will be interesting and could affect insuring motor carriers. As most of you know, and as addressed in a previous blog, MAP-21 required FMCSA to review the minimum insurance limit requirements for interstate for-hire motor carriers. As most of you know, current requirements are:

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Tommys Blog Current Issues 6 25 14

Tommy Ruke Blog – GL Q & A

M. Thomas Ruke, owner of Insurance Business Consultants in Fort Myers, is widely recognized as our Country’s leading trucking insurance expert. He has conducted W. E. Love’s Annual Agents Gathering and Continuing Education Seminar for 27 consecutive years. Tommy’s newest endeavor is the Motor Carrier Insurance Education Foundation (MCIEF) of which WEL is a charter member. MCIEF will provide excellent educational opportunities to WEL retailers, which we will publicize to you regularly. Tommy is a great friend and wonderful resource for WEL, linking us with many of our Nation’s best transportation expert resources. “Interesting Insurance” is the oxymoron Tommy combats with enthusiasm! Enjoy his blog and feel free to chime in at any time.

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Tommys Blog GL Question and Answer

Tommy Ruke Blog – Hours of Service Update


As most of you know, one of the CSA BASIC measurements is HOS violations. A couple of recent ATRI studies have shown that HOS violations and motor carriers with an alert in HOS have increased crashes and that FMCSA’s “restart” study is flawed.

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Tommys Blog – Hours-of-Service Update – 5-28-2014

Tommy Ruke’s Blog – Unrated & New Entrant Motor Carriers

My last blogs addressed the number of unrated motor carriers and if being unrated presented “safety” concerns for shippers and insurance providers. Craig Lack of Carrier Software found that 78% of businesses with motor carrier numbers (91X filings) are unrated and only 18% are rated as satisfactory.

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Tommy’s Blog – Unrated and New Entrant MCs – 4-1-14