Tommy’s Blog

2016 – Another Year and a lot Going On

2016 – Another Year and a lot Going On

THE GOVERNMENT ERUPTS

THE GOVERNMENT ERUPTS

November, 2015

ALWAYS BLAME THE GOVERNMENT!

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

 

Crashes Not on Loss Runs

CRASHES THAT SHOW UP IN CSA THAT ARE 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

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

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

Current Issues – June, 2014

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

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

Hours of Service Update

HOURS-OF-SERVICE UPDATED

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

Certified Medical Examiner

 

DOT PHYSICALS MUST BE PERFORMED BY A “CERTIFIED MEDICAL EXAMINER” EFFECTIVE MAY 21, 2014

 

 

Do your insureds know about this new requirement? – Larger ones yes but smaller ones maybe not.  If this requirement is not complied with, a motor carrier could be fined if a compliance review is conducted at their location.  When drivers are stopped and an officer reviews the driver’s medical card and it does not meet the new requirement, the driver will be cited for a violation.  If a crash happens and the driver had a “medical concern” that could have been a factor in the crash and the driver’s medical card is either expired or the physical has not been performed by a “certified medical examiner”, the plaintiff’s attorney has another “fact” to seek money for.

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Tommy’s Blog – CERTIFIED MEDICAL EXAMINER – 5-7-14