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7 Health and Safety Tips for Commercial Truck Drivers

Posted by David Ross on Sat, Mar 09, 2024

Follow these safety tips to save on Truck Insurance in Philadelphia, Pittsburgh, Reading, Harrisburg, State College, Allentown, Lancaster, and throughout PA.Keeping commercial truck drivers healthy and safe is a win for everyone. It minimizes the risk of driver injuries and fatalities, lowers the risk of damage to trucks and cargo, decreases driver turnover, reduces Truck Insurance and other costs, and creates safer roads for everyone.

“In 2021, 5,700 large trucks were involved in a fatal crash, an 18% increase from 2020 and a 49% increase in the last 10 years,” according to the National Safety Council (NSC). “Also in 2021, 117,300 large trucks were involved in crashes resulting in an injury, a 12% increase from 2020. Since 2016, the number of trucks involved in injury crashes has increased 15%...”

Furthermore, according to the Federal Motor Carrier Safety Administration (FMCSA), “Drivers of large trucks and other vehicles involved in truck crashes are ten times more likely to be the cause of the crash than other factors, such as weather, road conditions, and vehicle performance.”

Healthier truck drivers are more alert and focused, minimizing the risk of accidents and creating healthier bottom lines for drivers and trucking companies.

7 Health and Safety Tips

  1. Get Lots of Rest
    “Sleep deficiency can cause problems with learning, focusing, and reacting. You may have trouble making decisions, solving problems, remembering things, managing your emotions and behavior, and coping with change,” according to the National Heart, Lung, and Blood Institute. “You may take longer to finish tasks, have a slower reaction time, and make more mistakes.” Experts recommend that adults get between seven and nine hours of sleep a night.

  2. Eat Healthy
    Good nutrition is key to good mental and physical health. According to experts, a poor diet can cause fatigue, slower reaction time, impaired cognitive function, and more.

  3. Stay Hydrated 
    “Mild dehydration can cause problems with blood pressure, heart rate, and body temperature,” according to Cedars-Sinai. “Severe dehydration can also cause weakness or confusion. In extreme cases, it can lead to kidney damage, brain damage, and even death.” Many experts recommend six to eight 8-ounce glasses of water a day.

  4. Manage Stress
    Driving a large truck, dealing with traffic and other drivers, sticking to tight deadlines, etc., can all lead to stress, and stress can cause headaches, fatigue, memory problems, sleep problems, and more. You may not be able to eliminate stress, but if you want to be a safer driver and minimize the risk of causing an accident, it’s crucial that you learn how to manage stress.

  5. Wear Your Seatbelt
    The FMCSA reports that safety belts, especially lap/shoulder belts, are effective in reducing injuries and fatalities and the cost of operating large trucks. Plus, it’s the law. Failure to wear a seatbelt can result in state or federal penalties to drivers and employers.

  6. Avoid Distracted Driving
    Distracted driving can cause accidents, resulting in death, injuries, property damage, higher operating costs, litigation, and more. Distractions can come from inside – texting, eating, adjusting the radio, etc. - or outside – billboards, unusual sights, etc. If anything takes your eyes off the road, it is a distraction. If anything takes your mind off driving, it’s a distraction. If anything forces you to take your hand or hands off the wheel, it’s a distraction.

  7. Practice the Optimal Seating Position
    Understanding the optimal seating position can help alleviate many health issues by decreasing strain on various body parts. Plus, it can increase driver comfort, increase safety in a vehicle accident, and optimize the visibility of the vehicle controls while driving.

Don't Overpay For Truck Insurance!

At American Insuring Group, we go beyond providing you with affordable truck insurance. We carefully analyze your needs and match you up with the best trucking insurance policy based on a careful pricing and coverage analysis of many competing insurance companies. 

Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: truck insurance, Trucking Insurance, Texting, Commercial Auto Insurance

How to Minimize the Risk of Cargo Theft

Posted by David Ross on Sat, Jan 13, 2024

Reduce cargo theft and save on Truck Insurance in Philadelphia, Allentown, Pittsburgh, Erie, Lancaster, Reading, York, and throughout PA.Cargo theft can increase Commercial Truck Insurance and other costs, and 2023 was a good year for thieves but a lousy year for trucking companies when it comes to cargo theft. In the second quarter of 2023, there were 566 cargo theft incidents in the U.S., a “57% year-over-year increase compared to 2022,” according to FreightWaves. The total value of those thefts was $44 million in goods, with the average shipment value per event at $260,703.

What is Cargo Theft?

The FBI defines cargo theft as “The criminal taking of any cargo including, but not limited to, goods, chattels, money, or baggage that constitutes, in whole or in part, a commercial shipment of freight moving in commerce, from any pipeline system, railroad car, motor truck, or other vehicle, or from any tank or storage facility, station house, platform, or depot, or from any vessel or wharf, or from any aircraft, air terminal, airport, aircraft terminal or air navigation facility, or from any intermodal container, intermodal chassis, trailer, container freight station, warehouse, freight distribution facility, or freight consolidation facility.

For purposes of this definition, cargo shall be deemed as moving in commerce at all points between the point of origin and the final destination, regardless of any temporary stop while awaiting transshipment or otherwise.”

Cargo thefts can happen anywhere along the transportation process; however, according to FreightWaves, most cargo thefts occur near warehouses and distribution centers, unsecured parking lots, and company truck yards and premises. Any cargo can be targeted – from expensive electronics to beverages and food. Cargo thefts can be carefully planned by a sophisticated group of thieves or, on the fly, by inexperienced thieves.

3 Common Types of Cargo Theft

  1. Fictitious Pickup – “This type of cargo theft relies on subcontracting the shipment to a legitimate motor carrier and having the shipment misdirected to another address,” Tank Transport Fictitious pickups are on the rise, according to FreightWaves, with 127 more year-to-year in the second quarter of 2023.

  2. Pilferage – Pilferage or leakage occurs when only part of the shipment is stolen. A few boxes could be stolen, or the thieves could open a box, remove some items, and reseal the box. With this type of theft, the driver may not even realize they’ve been robbed.

  3. Grab and Go – With the grab-and-go method, criminals follow a shipment until the driver pulls into a truck stop or restaurant. When the driver leaves the vehicle, the thieves steal as much merchandise as possible. The grab-and-go method is most often used to steal high-value or high-tech cargo.

13 Truck Driver Tips to Minimize the Risk of Cargo Theft

  1. Stay alert by paying attention to your surroundings (especially at night), watching for occupied vehicles in parking lots, distribution centers, etc., watching for anyone following you, and being aware and looking for possible hijacking ploys.

  2. Try to keep an eye on the truck at all times, but if you need to leave it unattended, only do so for short periods.

  3. Park in safe, secure truck parking lots with good lighting and 24/7 security whenever possible.

  4. Subscribe to a reporting service that monitors area thefts., such as FreightWatch or CargoNet.

  5. Frequently communicate with your company and all members of the supply chain.

  6. Screen drivers to avoid entrusting your cargo to dishonest and untrustworthy drivers.

  7. Use technology, such as hidden GPS trackers in the shipment, intelligent routing, advanced locking technologies, etc.

  8. Preplan Your Route to help you identify safe places to stop and high-theft areas to avoid.

  9. Vary Your Route so you don’t become predictable.

  10. Arrive at the pickup location fully rested, fueled, and fed because it’s less likely that a thief will follow you for several hours.

  11. If picking up a loaded, sealed trailer, check that the seal number on the trailer and bill of lading match.

  12. Keep information, such as the license plate number, container number, and truck description, with you at all times.

  13. Don’t share information about cargo or trip details on social media, the radio, etc.

How to Get Affordable Commercial Truck Insurance

The right insurance helps protect your business from the loss resulting from cargo theft, injuries, damage, liability, etc. At American Insuring Group, our experienced agents help you get the right trucking insurance coverage at the lowest cost by comparing multiple competing insurance providers.

Call us today to start saving: (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Cargo Trucking Insurance, Commercial Auto Insurance

5 Surprising Tips to Lower Commercial Truck Insurance Costs

Posted by David Ross on Sat, Oct 14, 2023

Contact us to save on trucking insurance in Philadelphia, Allentown, Pittsburgh, Erie, Harrisburg, Lancaster, Reading, Lebanon, and throughout the state of Pennsylvania.Your Commercial Truck Insurance premium is based on your level of risk. In other words, insurance companies want to know the likelihood that you will have an accident, injury, lawsuit, etc., and make an insurance claim. To determine your level of risk, they look at several factors – your drivers, your vehicles, where you drive, etc. – to determine how likely you are to make a claim. The lower the risk, the lower the premium.

You can take many obvious steps to lower truck insurance costs, such as driver safety training, increasing your deductible, bundling policies, etc. Still, there are also a few ways that may surprise you.

5 Surprising Tips to Lower Commercial Truck Insurance

1. Maintain Good Credit:
In addition to the obvious factors, such as previous claims, insurance companies also consider how you conduct your business. Although controversial, many consider companies with good credit to be responsible and less risky.

“An insurance score, also known as an insurance credit score, is a rating computed and used by insurance companies that represents the probability of an individual filing an insurance claim while under coverage. The score is based on the individual’s credit rating and will affect the premiums they pay for the coverage,” Investopedia explains. “Low scores reflect higher risk, so a high score will result in lower insurance premiums. Conversely, a low score will result in higher premiums.”

2. Pay Your Bill Promptly:
Insurance companies don’t want to waste resources by sending out late reminders. Being consistently late with payments won’t help lower your insurance premiums. Furthermore, if you make a claim while you are delinquent on payments, you may have a battle collecting on the claim. Always pay your insurance bill on time, or consider setting up automatic withdrawals. Or even better, pay your bill in full to enjoy even more savings.

3. Maintain a Clean DOT Safety Rating:
According to the Federal Motor Carrier Safety Administration (FMCSA) – the granter of your safety rating, “A safety rating is an evaluation of a motor carrier’s compliance with the safety fitness standard.” Your rating may be Satisfactory, Conditional, or Unsatisfactory. “Your DOT safety rating is a critical company asset that must be protected at all costs,” Trucksafe Consulting explains. “Failing to do so can result in increased insurance costs, lost business, and even a company-wide out-of-service order.”

4. Hire Safe Drivers:
Your drivers can be your greatest asset or your biggest liability. Unsafe drivers increase operating costs (including insurance premiums), increase turnover rates, and can damage your business reputation. Data shows that “the best drivers can reduce costs by more than 12%, but the worst drivers can increase costs by more than 13%.” 

Tips for Hiring Safe Drivers

  • Hire experienced drivers
  • Review motor vehicle records
  • Contact previous employees
  • Review DOT Safety performance
  • Conduct pre-employment drug testing
  • Require a road test
  • Keep detailed records

5. Choose the Right Commercial Truck Insurance Agent

An experienced insurance agent specializing in Commercial Truck Insurance can help ensure that you get the right insurance, that you aren’t paying for insurance you don’t need, and that there are no gaps in your coverage. An independent insurance agent will check with several insurance companies to ensure you pay the lowest premium.

Lower Your Commercial Truck Insurance Rate

At American Insuring Group, we go beyond providing you with affordable truck insurance. We carefully analyze the needs and risks associated with your business. We match you up with the best trucking insurance policy based on a careful analysis of many competing insurance companies.

Give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Commercial Auto Insurance

10 Tips to Increase Pedestrian Safety for Commercial Truck Drivers

Posted by David Ross on Sat, Sep 16, 2023

Improve Pedestrian Safety in Trucking and Save On Truck Insurance in Allentown, Philadelphia, Pittsburgh, Erie, Harrisburg, Reading, Lancaster, and throughout Pennsylvania.We focus a great deal of time on safety to lower Truck Insurance because, as you know, accidents involving heavy trucks typically have serious consequences. And the more accidents and resulting insurance claims you file, the higher your insurance premiums.

One of the most vulnerable groups on the road is pedestrians, who have no protection when an accident occurs. According to the National Highway Traffic Safety Administration (NHTSA), 7,388 pedestrians were killed in the U.S. in 2021 – a 13% increase from 2020 – and more than 60,000 pedestrians were injured. Therefore, pedestrian safety should be a part of any driver training.

10 tips to increase pedestrian safety for Commercial Truck Drivers

  1. Start Safe
    Before you begin driving, check your vehicle, clean headlights, windshield, windows, and mirrors, adjust the seat and mirrors, know your route, and identify areas you are more likely to encounter pedestrians.

  2. Eliminate Distractions
    “71 percent of large-truck crashes occurred when the truck driver was doing something besides driving the truck,” according to the NHTSA. “Staying focused on driving can help keep you, and other road users, safe on the road!” They recommend the following tips:
  • Don’t text while driving
  • Don’t use a dispatching device while driving
  • Don’t dial a handheld phone while driving
  • Don’t read, write, or use paper maps while driving
  • Avoid eating and drinking when driving
  • Don’t let objects outside of your truck distract you

  1. Be Vigilant
    Constantly scan for pedestrians on the street, sidewalks, exiting vehicles, etc., especially in congested areas or areas where pedestrians are more likely to be. According to the Centers for Disease Control and Prevention (CDC), “Most pedestrian deaths occur in urban areas, on roadway locations away from intersections (where higher speeds might occur), and at night.”

  2. Be Patient
    We understand that you have deadlines you need to meet. However, an accident will only delay you more, so be patient with pedestrians, especially older adults or those with disabilities.

  3. Assume Pedestrians Are Unaware of Truck Blind Spots
    You know where your blind spots are, but you may be surprised how many pedestrians do not. Many pedestrians also don’t know how your trailer will behave when you make a turn. Assume that pedestrians will not know to avoid risk areas and blind spots.

  4. Consider Driving Conditions
    Weather and road conditions can affect how quickly you can stop. Poor lighting or a nasty storm can make it harder to see pedestrians. Use extra caution and reduce your speed when driving conditions are less than optimal.

  5. Exercise Extra Care at Intersections
    Scan several times for pedestrians as they are sometimes easy to miss. Slow down as you approach an intersection, and be prepared to come to a complete stop. Make eye contact with pedestrians and give them the right of way.

  6. Don’t Block Crosswalks
    Whether the crosswalks are marked or not, going around your vehicle can put pedestrians in the path of moving traffic.

  7. Notice Distracted Pedestrians
    Just like drivers, pedestrians can easily be distracted. Watch for pedestrians using handheld devices, wearing headphones, with children, etc. They may walk slower, ignore traffic, be unaware of hazards, etc.

  8. Remember – You are the Best Line of Defense
    Driver error is the cause of many large truck accidents. Therefore, as the driver, you are the best line of defense when it comes to protecting pedestrians.

Lower Your Truck Insurance Costs

Minimizing accidents and the resulting claims is just one way to lower Truck Insurance costs. American Insuring Group specializes in Truck Insurance, so we can ensure you have the right coverage at the best price. As independent agents, they will compare the cost of your coverage with several insurance carriers to ensure you pay the lowest premium.

Give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Safe Driving Tips, Commercial Auto Insurance

How to Hire Safe Truck Drivers: 8 Tips

Posted by David Ross on Sat, Aug 12, 2023

Hire Safe Truck Drivers and Save on Trucking Insurance in Philadelphia, Pittsburgh, Allentown, Erie, Lancaster, Lebanon, Reading, York, and throughout PA.One way to lower Commercial Truck Insurance and other operating costs is to minimize risks. One way to minimize risk is to hire safe drivers. You’ve probably heard the adage that goes something like this: “Employees can be your most valuable asset… your competitive advantage.” Most business owners/managers would agree, but many would add that employees can also be your greatest liability.

However, the ongoing shortage of drivers is probably creating additional challenges when it comes to hiring employees who become valuable assets rather than your greatest liability. The good news is that according to experts, “The number of unfilled driver jobs slid to nearly 78,000, down about 4% from a record 81,258 in 2021.” The bad news is that slight improvement is expected to be temporary, which may have you thinking that sometimes desperate times call for desperate measures. NOT at the expense of your business! Hiring the safest drivers available is crucial to your business’s success.

Unsafe drivers increase operating costs, increase turnover rates, and can damage your business reputation. Data shows that “the best drivers can reduce costs by more than 12%, but the worst drivers can increase costs by more than 13%.” Taking the time now to evaluate candidates and hire the best drivers available to lower costs and minimize additional headaches down the road makes good business sense.

8 Tips for Hiring Safe Drivers

  1. Set Standards – Set specific standards, such as the minimum number of driving years required, the maximum number of moving violations, etc.

  2. Create a Culture of SafetyA safety culture is “an [organizational] culture that places a high level of importance on safety beliefs, values, and attitudes—and these are shared by the majority of people within the company or workplace. It can be [characterized] as ‘the way we do things around here.’ A positive safety culture can result in improved workplace health and safety (WHS) and [organizational] performance.”

  3. Review Motor Vehicle Records (MVR) – An MVR will include basic information, the candidate’s driver’s license number, their license classifications, and their license status. It will also disclose any traffic citations, license suspensions, DUI convictions, and accident reports. Drivers with serious moving violations or accidents on their record may not be good candidates.

  4. Contact Previous Employers – The U.S. Department of Transportation (DOT) requires that “you verify an applicant’s safety performance history with their past employers for at least the past three years.” Plus, this simple step can save headaches and costs down the road.

  5. Review DOT Safety Performance - The Federal Motor Carrier Safety Administration’s Pre-Employment Screening Program (PSP) allows you to obtain a 3-year history of an applicant’s DOT inspection and violation history and a 5-year history of DOT-recordable crashes for a nominal fee.

  6. Conduct a Pre-Employment Drug Testing – Instituting a pre-employment drug testing program can help keep unsafe drivers off the road.

  7. Require a Road Test – A driving test is one of the best ways to discover a driver’s temperament, driving skills, and how safe a driver they will be.

  8. Document – Keeping detailed records can help provide a complete picture of an applicant’s qualifications, making it easier to compare candidates. Furthermore, the DOT requires that you maintain a driver qualification file for all employees who operate a commercial vehicle that includes information such as your inquiry to previous employers, inquiry to state agencies, inquiry about drug and alcohol tests, etc.

Call for a Truck Insurance Quote Today!

American Insuring Group specializes in Truck Insurance, and as independent agents, we compare the cost of your insurance among multiple carriers to ensure you pay the lowest premium.

Call (800) 947-1270 or (610) 775-3848 for a FREE QUOTE or connect with us online.

Tags: truck insurance, commercial vehicle insuarance, Trucking Insurance, Safe Driving Tips, Commercial Auto Insurance

Optimal Seating Position for Truckers

Posted by David Ross on Sat, Jul 15, 2023

Proper Seating Position Can Help You Save on Truck insurance in Philadelphia, Pittsburgh, Erie, Allentown, Reading, Lancaster, York, and throughout Pennsylvania.When we think of ways to lower the number of claims to reduce Commercial Truck Insurance costs, most people probably think about minimizing the risk of accidents. This makes sense because trucks are bigger, which means it takes them longer to stop and can cause more damage than a passenger vehicle.

However, another hazard truck drivers face isn’t so obvious – the long hours they spend sitting in tiring, restrictive, or uncomfortable postures. “Researchers have associated sedentary behavior with approximately 35 chronic diseases and conditions,” according to Truckers News. Chronic conditions include obesity, sleep apnea, poor circulation, accelerated biological aging, nonalcoholic fatty liver disease, and peripheral artery disease.

A National Library of Medicine (NLM) study of long-haul truck drivers found that 69% of respondents were classified as obese, which increases the risk for many severe health conditions, such as high blood pressure, type 2 diabetes, coronary heart disease, osteoarthritis, sleep apnea, many types of cancers, mental illness, body pain, and low quality of life.

Another NLM study found that 78.6% of truck drivers have musculoskeletal disorders (MSD). “Musculoskeletal disorders (MSDs) are soft-tissue injuries caused by sudden or sustained exposure to repetitive motion, force, vibration, and awkward positions,” the Centers for Disease Control and Prevention (CDC) reports. “These disorders can affect the muscles, nerves, tendons, joints, and cartilage in your upper and lower limbs, neck, and lower back.“

Optimal Seating Position

Understanding the optimal seating position can help alleviate many health issues by decreasing strain on various body parts. Plus, it can increase driver comfort, increase safety in a vehicle accident, and optimize the visibility of the vehicle controls while driving.

Experts recommend these steps to adjust your seat optimally:

  • Step 1: Using the forward and reverse seat controls, adjust your seat so your knees are slightly bent. A two-finger gap should exist between the back of your knee and the seat.
  • Step 2: Raise the seat until your hips are level with your knees.
  • Step 3: Adjust the backrest so that your back is at a 100-degree angle.
  • Step 4: Adjust the headrest so that it is centered with the back of your head.
  • Step 5: Adjust the lumbar support control so that it fits in the curve of your lower back

Experts recommend these tips to sit in your seat optimally:

  • Sit with your body the whole way back in your seat.
  • Hold the steering wheel in the “9 and 3” position. Driving with two hands is safer and causes less strain on the spine.
  • Keep your left foot on the footrest as much as possible. This helps minimize strain on the back and pelvis.
  • Adjust the seat belt so that it wraps around your pelvis area and not your stomach. This will ensure the most protection in the event of an accident.

Regular breaks and stretching are another critical step in alleviating many health consequences of long-haul driving. The rule of thumb is to take a 15-minute break for every two hours on the road.

Stretching before, during, and after a trip and during regular workouts can also help. “Stretching keeps the muscles flexible, strong, and healthy, and we need that flexibility to maintain a range of motion in the joints,” according to the Harvard Medical School. “Without it, the muscles shorten and become tight. Then, when you call on the muscles for activity, they are weak and unable to extend all the way. That puts you at risk for joint pain, strains, and muscle damage.”

Lower Your Commercial Truck Insurance Cost

American Insuring Group is committed to providing affordable commercial truck insurance. As Truck Insurance experts and independent agents, we compare the cost of your coverage among multiple insurance companies to ensure that you pay the lowest premium for the right coverage.

Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online!

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Repetitive Motion Injuries, Commercial Auto Insurance

How to Stretch Your Truck Insurance Dollars

Posted by David Ross on Sat, Jun 10, 2023

Save by stretching your truck insurance value in Philadelphia, Pittsburgh, Erie, Reading, Allentown, Harrisburg, Lancaster, York, and throughout PAWhen we think about factors that increase Commercial Truck Insurance costs, we often think about accidents. And, yes, preventing accidents should be a priority if you want to lower insurance costs. Still, there is another often-forgotten factor that can also increase truck insurance costs – drivers being sedentary and staying in one position for hours on end.

Not many jobs are more sedentary than driving a truck, and sitting in one position can cause several issues, from stiff muscles to back pain and more. In fact, the National Library of Medicine reports, “The prevalence of low back pain in truck drivers was 59%.”

One simple solution can help reduce the frequency of these issues - stretching before, during, and after a trip and during regular workouts. “Stretching keeps the muscles flexible, strong, and healthy, and we need that flexibility to maintain a range of motion in the joints,” according to the Harvard Medical School. “Without it, the muscles shorten and become tight. Then, when you call on the muscles for activity, they are weak and unable to extend all the way. That puts you at risk for joint pain, strains, and muscle damage.”

6 Stretching Tips for Truck Drivers

Before beginning any workout routine – including stretching, it’s always best to consult with a physician. Here are six tips to keep in mind.

  1. Avoid stretching cold muscles
  2. Understand the difference between dynamic and static stretching
  3. Stretch your whole body
  4. Breathe with your stretches
  5. Stretches should not be painful
  6. Hold your static stretches

And remember, it may have taken you months or even years to get to the point you’re at now, so don’t expect one five-minute stretching workout to work miracles. You need to continue to stretch regularly over time to achieve flexibility, relieve tension, reduce fatigue, and improve your posture. In addition, you need to continue stretching to maintain the benefits achieved.

17 Stretches for Truck Drivers

Once you’ve consulted with your physician, the following stretches can be done before you begin driving, during breaks, after you’re done driving, or during your regular workout. Hold each stretch for five to thirty seconds and do five reps at a time. If you don’t have time to do all the stretches, focus on the areas that feel the tightest.

Click here for detailed instructions and a video demonstrating each stretch.

            LEG STRETCHES

  1. Toe Raises
  2. Hamstring Stretch
  3. Calf Stretch
  4. Thigh Stretch

       BACK STRETCHES

  1. Back Extension
  2. Knees to Chest Stretch

SHOULDER STRETCHES

  1. Simmer’s Stretch
  2. Stretch Across
  3. Butterfly Stretch
  4. Reach for the Sky

NECK STRETCHES

  1. Chin Tuck
  2. Upper Trap Stretch

ELBOW STRETCH

  1. Triceps Stretch

HAND STRETCHES

  1. Open/Closed Fist
  2. Thumb Stretch
  3. Wrist Flexion/Extension
  4. Prayer Stretch

And remember, these stretches should not cause pain. If you feel pain, you may be stretching too deeply or too soon. If you feel pain, ease off the stretch and keep stretching without pushing the muscle too hard. Over time, as you become more flexible, you should be able to stretch more deeply without feeling pain.

Get Affordable Commercial Truck Insurance

American Insuring Group is committed to providing affordable truck insurance. We analyze your specific risks and needs and provide savings and safety tips (like the stretching information in this blog). Furthermore, as independent agents, we compare the cost of your coverage with multiple insurance companies to ensure that you pay the lowest premium for the right coverage.

▸ Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online!

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Safe Driving Tips, Commercial Auto Insurance

Remind CMV Drivers of Potential Consequences of Distracted Driving

Posted by David Ross on Sat, Apr 15, 2023

 

Avoid distracted driving and saving on Trucking Insurance in Philadelphia, Reading, Harrisburg, Pittsburgh, Allentown, Lancaster, York, Lebanon and everywhere in Pennsylvania

Unfortunately, many experienced drivers become immune to hazards affecting Commercial Truck Insurance costs. Therefore, drivers and management must be regularly reminded of common driving hazards, the consequences of ignoring them, and how to avoid them. 

One such hazard is driver distraction. Of course, every driver knows that texting is dangerous, but it’s easy to forget or discount this fact when facing all the challenges of driving a truck. 

A driver might think, “Two seconds. That’s all I need—two seconds to let my wife know that I’ll be late tonight. If I take the time to pull over to send the text, I will be even later. I’m just going to send a quick text.” It seems innocent enough, but drivers must be reminded of the studies and research showing how even one quick text (or other driving distraction) can instantly change their lives. 

What is Driver Distraction?

The Federal Motor Carrier Safety Administration (FMCSA) defines driver distraction as “the diversion of attention from activities critical for safe driving to a competing activity.” Distractions can come from inside – texting, eating, adjusting the radio, etc. - or outside – billboards, unusual sights, etc. If anything takes your eyes off the road, it is a distraction. If anything takes your mind off driving, it’s a distraction. If anything forces you to take your hand or hands off the wheel, it’s a distraction.

 The Potential Consequences of Distracted Driving

The most obvious and significant potential consequence of distracted driving is an accident, which can result in death, injuries, property damage, higher operating costs, litigation, and more. A severe accident can change a driver’s life, his family’s lives, and the lives of others forever! 

However, if the fear of an accident isn’t enough to persuade someone from driving distracted (it’s too easy to think, “It won’t happen to me.”), then the potential legal ramifications of certain distractions need to be considered. 

The FMCSA restricts the use of all handheld mobile devices by CMV drivers while operating a commercial vehicle.

 The FMCSA states, “This rulemaking restricts a CMV driver from holding a mobile device to make a call or dialing by pressing more than a single button. CMV drivers who use a mobile phone while driving can only use a hands-free phone located in close proximity.” Furthermore, “Using a handheld mobile phone while driving a CMV can result in driver disqualification. Penalties can be up to $2,750 for drivers and up to $11,000 for employers who allow or require drivers to use a handheld communications device while driving.” 

And finally, “Multiple convictions for texting while driving a CMV can result in a driver disqualification by FMCSA. Multiple violations of State law prohibiting texting while driving a CMV that requires a CDL is a serious traffic violation that could result in a CDL driver being disqualified for up to 120 days.” 

The Most Dangerous Distractions

An FMCSA study found that text messaging is the most dangerous distraction. Texting increases the chance of being involved in a safety-critical event (e.g., crash, near-crash, unintentional lane deviation) by 23 times. For example, if you’re driving 55 mph, writing a text takes your eyes off the road for about five seconds, and in those five seconds, you travel the length of a football field without looking at the road.

 Other “complex tertiary tasks” that increase your risk of an accident include the following:

  • Other complex tasks, such as cleaning a side mirror or rummaging through a grocery bag – 10.07 times
  • Interacting with or looking at a dispatching device – 9.93 times
  • Writing – 8.98 times
  • Using a calculator – 8.21 times
  • Looking at a map – 7.02 times
  • Dialing a cell phone – 5.93 times
  • Reading – 3.97 times

 Other tasks that are less risky but can still distract a driver include the following:

  • Using other electronic devices, such as cameras and two-way radios
  • Personal grooming
  • Eating
  • Reaching for something
  • Talking or listening on a hands-free phone

Fortunately, most distractions are avoidable.

Here's How to Lower Your Truck Insurance Costs

Reminding drivers of distractions and other hazards will minimize the risk of accidents and help lower your Truck Insurance premiums. In addition, the independent agents at American Insuring Group can help reduce all your insurance costs. We compare policies and prices among competing insurance carriers to get you the right truck insurance at a great price.

Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online!

Tags: Commercial Vehicle Insurance, truck insurance, Trucking Insurance, Safe Driving Tips, Commercial Auto Insurance

Avoid Collisions With Deer to Lower Truck Insurance Costs: Here's How!

Posted by David Ross on Sat, Jan 14, 2023

Deer-Accidents-and-Truck-Insurance-1000More accidents mean higher Truck Insurance, so it's crucial that all truck drivers understand potential hazards and how to avoid them. One hazard common to all drivers is deer and other animals. According to the Insurance Institute for Highway Safety, there was an upward trend in deaths from collisions with animals from 1975 to the mid-2000s, which has leveled off in the past few years.

In 2020 there were 202 deaths from collisions with animals, reaching costs as high as $1 billion annually in damages nationwide. While smaller vehicles often experience more damage when colliding with large animals, commercial trucks are not immune. Collisions with animals can result in injuries or death, damage to trucks and cargo, lost time, and loss of revenue.

Sometimes collisions with deer and other animals are unavoidable, but there are steps truck drivers can take to minimize the risk and the damage caused by these collisions.

Know where there is higher risk.

Deer sightings can occur just about anywhere, but there are certain areas and times that have a higher risk.

  • According to the Insurance Information Institute, the top five states in 2021-2022 for the likelihood of animal-involved claims from a collision are West Virginia (1 in 35), Montana (1 in 44), South Dakota (1 in 51), Michigan (1 in 51, Wisconsin (1 in 54), and Pennsylvania (1 in 57). Therefore, drivers in these states should be more vigilant.
  • Watch for the yellow, diamond-shaped signs with an image of a deer, which indicates an area of high-level deer activity. When you see one of these signs, you should be extra alert.
  • According to the Pennsylvania Game Commission, deer are most active during the dusk to dawn hours.
  • Autumn (November – the peak, October, and December) are a deer's breeding season, and they may be less aware of their surroundings.
  • In May and June, one-year-old deer begin to disperse to new areas.
  • Less populated states and regions tend to have higher animal populations.
  • Long stretches of isolated highways tend to have a higher risk of an animal darting in front of a truck.
  • Rural highways built along creeks, rivers, and lakes attract deer.
  • Heavily forested areas have higher animal populations.
  • Areas where farmers are harvesting crops, can cause deer to run onto a road.
  • During hunting season, deer are more likely to bolt in front of an oncoming vehicle.
  • If you travel a route regularly, watch for a pattern of areas with higher activity of deer and other animals.
  • Deer tend to travel in packs, so if you see one deer, chances are there are more nearby, and you need to remain on high alert.

Drive Safely

  • Stay alert.
  • Continually scan the road for signs of animals and activities.
  • Use high beams when there is no oncoming traffic. Light can reflect off an animal's eyes, revealing its location.
  • Always wear your seat belt.
  • Eliminate distractions.
  • Drive the posted speed limit.
  • Never drive impaired.
  • If driving on a multi-lane road, stay in the center lane to give you more time to respond if a deer runs onto the road.
  • Don't tailgate. Allowing space between you and the vehicle in front of you provides a broader field of vision and more reaction time, enabling you to break rather than swerve if a deer runs in front of you or the vehicle in front of you.

Know what to do if a deer does come into your path.

If a deer or other animal crosses your path, try to stay in your lane and avoid the urge to swerve. Swerving can cause you to lose control and increase the chance of colliding with another vehicle or ending up in a ditch. Plus, deer can be unpredictable, and swerving may put the deer right in your path. It's better to hit the deer than risk veering off the road, overturning your truck, or hitting another vehicle.

Sometimes, using your horn can frighten the animal and keep them off the road.

If a collision is imminent, remove your foot from the brake because braking hard may cause the front end of your vehicle to go down, causing the animal to fly over your hood and towards your windshield.

How to Save on Truck Insurance

At American Insuring Group, we go beyond providing you with affordable truck insurance. First, we carefully analyze the needs and risks associated with your business. Then, we match you up with the best trucking insurance policy based on a careful analysis of many competing insurance companies. The result? You get the high-quality commercial insurance coverage you need at a very affordable price.

Get a free quote today by calling (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: truck insurance, Trucking Insurance, Safe Driving Tips, Safety Programs, Commercial Auto Insurance

Do I Need Commercial Auto Insurance for My Restaurant?

Posted by David Ross on Wed, Jul 27, 2022

Get the Proper Auto Insurance for Your Restaurant Business in Philadelphia, Pittsburgh, Allentown, Reading, Wyomissing, Lancaster, Harrisburg and throughout PA.Insurance – including Restaurant Insurance - is all about risk. The higher the risk of a claim, the higher the cost of the insurance.

The same is true of auto insurance, and let’s face it, driving can be risky. According to the National Highway Traffic Safety Administration (NHTSA), in 2020, there were 5.24 million police-reported crashes in the U.S., which caused 2.28 million injuries and 38,824 fatalities (a 6.8% increase over 2019).

 A vehicle used for commercial purposes is considered a higher risk because it may be driven more often or by more than one driver. Therefore, if you own a vehicle used for commercial purposes – making deliveries, visiting customers, etc. – your personal auto insurance may not cover damages caused when you or an employee uses your vehicle for commercial purposes. 

3 Auto Insurance Options

Personal Auto Insurance

A personal auto insurance policy covers property damage, bodily injuries, and legal expenses. While some personal auto insurance policies include limited coverage for business use, this type of policy is typically limited to accidents that occur during personal use, such as commuting to and from work and other travel unrelated to your job/business. In addition, a personal auto insurance policy typically insures the owner and one or two immediate family members only. 

Commercial Auto Insurance

A commercial auto insurance policy covers vehicles owned by a business. It covers vehicles used to drive customers or employees, perform a service you’ve been paid for, transport goods, and other business uses. Like personal auto insurance, Commercial Auto Insurance covers property damage, bodily injuries, and legal expenses. It also typically includes additional insureds, such as employees, and covers different types of vehicles, larger claims, and more complicated legal issues.

 Hired and non-owned auto insurance (HNOA)

HNOA insurance provides coverage for vehicles your business does NOT own but uses for commercial purposes, such as running business errands, picking up supplies, and visiting customers. This includes your employees’ vehicles used for business purposes and vehicles you rent or lease to use for business purposes. HNOA insurance can be purchased as a rider to your general liability insurance or as a standalone policy. It’s important to note that HNOA does NOT cover damage to your own property – only third-party liability costs.

 How to Lower the Risk of an Accident

Studies show that 98% of auto accidents are caused by human error. The following are the top six human driver errors:

  1. Failure to wear a seatbelt
  2. Excessive speeding
  3. Distraction/in attentiveness
  4. Incorrect assumptions about other drivers
  5. Tailgating/not leaving enough space between vehicles
  6. Not checking traffic before pulling out or crossing lanes 

The fewer accidents you or your employees are involved in, the fewer insurance claims and the lower your auto insurance costs. Here are five steps to minimize the risk of an auto accident:

  1. Check employee driving records before allowing them to drive a vehicle for business purposes
  2. Provide safe driving training
  3. Research vehicle safety records before purchasing, renting or leasing a vehicle
  4. Create and enforce a policy for employee cell phone use while driving
  5. Download the National Safety Council’s FREE online Safe Driving Kit

How to Lower Your Auto Insurance Cost

The best way to lower the cost of your insurance is to work with one of the experienced agents at American Insuring Group.

We will help determine the best type of insurance for your needs and then – as independent agents – check with multiple insurance companies to ensure that you pay the lowest premium for that insurance.

Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Restaurant Insurance, Commercial Auto Insurance, Restaurant Insurance Costs