Category: Truck Insurance Coverage

Claims Series Part III: How Claims Impact Trucking Insurance

Western Truck Insurance

Commercial Auto insurance has seen consistent rate increases over the past several years. The average renewal rate increase in Q4 2025, according to IVANS, is 6.97% (depending on the region and individual account’s risk profile). Small fleets and those with favorable loss experience are performing better, whereas large fleets, heavy-truck fleets, and those with losses … Continue reading “Claims Series Part III: How Claims Impact Trucking Insurance”

Claims Series Part II: Steps to Take Following a Trucking Collision

Western Truck Insurance

Even the safest drivers can be involved in a collision. In fact, more than 160,000 truck accidents occur in the U.S. each year, including more than 13,000 in California, according to FMCSA data. What’s critical are the steps you and your drivers take immediately following a collision to protect everyone’s safety involved in the accident, … Continue reading “Claims Series Part II: Steps to Take Following a Trucking Collision”

Claims Series Part I: Why You Should Report Trucking Accidents Immediately

Western Truck Insurance

According to the most recent statistics available from the National Safety Council, in 2023, 5,375 large trucks were involved in a fatal crash. This is an 8.4% decrease from 2022 but a 43% increase in the last 10 years. Also in 2023, 114,552 large trucks were involved in crashes resulting in an injury. Large trucks … Continue reading “Claims Series Part I: Why You Should Report Trucking Accidents Immediately”

Defensive Driving Part VI: Managing Adverse Road Conditions

Western Truck Insurance

It’s that time of year when weather conditions change, and truckers need to be aware of how adverse road conditions, like rain, snow, sleet, fog, and gusting winds, can impact visibility, braking distance, and overall vehicle control. According to the U.S. Department of Transportation’s Federal Highway Administration, approximately 12% of vehicular crashes are weather-related. Specifically, … Continue reading “Defensive Driving Part VI: Managing Adverse Road Conditions”

Defensive Driving Part V: Emergency Procedures for Truckers

Western Truck Insurance

In this part of our Defensive Driving series, we review procedures truckers should follow in the event of an emergency. Share and reinforce these measures with your drivers to keep them and others safe on the road.  If Your Vehicle Stalls or Breaks Down The first thing a driver should do is secure the vehicle. … Continue reading “Defensive Driving Part V: Emergency Procedures for Truckers”

Do What You Say: Implications of Your Public Representations

Western Truck Insurance

As with any industry, your words matter, not just with customers and employees, but also regarding disputes and potential litigation. Bold claims on your website, marketing materials, or job postings about trucking safety, service, or compliance may be intended to reflect your values. However, if actual practices do not back them up, they could become … Continue reading “Do What You Say: Implications of Your Public Representations”

Why Fast and Detailed Claims Reporting Matters in Trucking

Western Truck Insurance

Accidents are an unfortunate reality in trucking. However, how you respond after a crash can make all the difference in resolving a claim and controlling long-term insurance costs. When a claim isn’t reported immediately or lacks complete details, it creates a gap in the investigation process. That gap can be exploited by personal injury attorneys, … Continue reading “Why Fast and Detailed Claims Reporting Matters in Trucking”

CSA Scores Impact Trucking Insurance

Western Truck Insurance

Safety and compliance in the trucking industry are not just regulatory requirements; they directly impact a motor carrier’s insurance premiums. One of the key factors affecting trucking insurance rates is the Compliance, Safety, Accountability (CSA) score. The Federal Motor Carrier Safety Administration (FMCSA) uses the CSA to measure a trucking firm’s safety record. These scores … Continue reading “CSA Scores Impact Trucking Insurance”

Overview: FMCSA’s Crash Preventability Determination Program Expansion

Western Truck Insurance

The Federal Motor Carrier Safety Administration (FMCSA) has expanded its Crash Preventability Determination Program (CPDP) to provide motor carriers and drivers with an enhanced mechanism for disputing non-preventable crashes. The program is designed to improve the fairness of safety records and ensure that preventable and non-preventable crashes are better delineated. The program’s expansion allows the … Continue reading “Overview: FMCSA’s Crash Preventability Determination Program Expansion”

On-the-Road Safety Saves Life, Protects Your CSA Score

Western Truck Insurance

Winter driving can be challenging, even for the most seasoned commercial truck drivers. Icy roads with reduced traction coupled with poor visibility make it hard to handle loads and for big rig drivers to stop. According to the Federal Highway Administration (FHWA), 70% of roads in the United States are in snowy areas, increasing the … Continue reading “On-the-Road Safety Saves Life, Protects Your CSA Score”