Recently I have had an influx of new Truckers for Hire who need insurance to get on the road. Since many of them are starting their own businesses, they are just learning the ins and outs of what they need to get started. One of my first questions to them is “What filings do you need?”. In most cases, this is the first they are hearing about filings. The US Department of Transportation requires most interstate truckers to register with the Federal Motor Carrier Safety Administration. Once registered, there are certain filings that the trucker’s insurance company needs to provide to the Federal Motor Carrier Safety Administration (FMCSA) to prove that they have insurance. Below is a brief description about what could be needed.
USDOT # – This is a number that is issued to the company so that the FMCSA can use it to track the trucker’s safety and compliance. Not all truckers need this number, but they need to at least inquire about it with the FMCSA.
MSC-90 Filing – This is a filing that is provided by the insurance company to the FMCSA that proves that a trucker has insurance and what limits they have. The trucker must first register with the FMCSA prior to the filing from the insurance company.
For more information about what is needed for a specific trucker’s business, please visit this website: http://www.fmcsa.dot.gov/
Some states require that you also register with them. For more information in the state of Virginia, please contact Motor Service Carrier at 804-249-5130
Over the 19 years that I have been married we have always had a gas grill and we have always had a fire extinguisher. Until recently I have NEVER used my fire extinguisher, but I have always kept it handy. But a couple of weeks ago I had a grill fire! Needless to say, this was scary. Apparently there was grease beneath where the flames of the grill are which caught fire and showed no signs of burning off quickly. Luckily the fire extinguisher was handy and I extinguished the fire before it caused any damage to my deck or home.
If you don’t currently have a fire extinguisher, I urge you to get one and check it periodically to make sure it is in good working order. Homeowners insurance is there in the event of a loss, but preventing a loss is even better.
Today I was at the New Teacher Vendor Fair for Warren County Public Schools which was held at Warren County High School in Front Royal, Virginia. I offered a gift card giveaway and handed out goodie bags! I think I had the opportunity to talk to all of the new school employees.
As an agent for Travelers I am able to offer special pricing on homeowners and auto insurance to the Warren County School Employees through a program known as Benefits Plus. Benefits plus has helped me save many school employees’ hundreds of dollars over the course of the last 2 years. I hope to help many more WCPS employees this year as well.
We just returned from a week at Garden City Beach, South Carolina. Garden City Beach is about 480 miles from Front Royal and is just south of Myrtle Beach. My in-laws celebrated their 50th wedding anniversary and what a wonderful way to celebrate. In this busy world, we do not often get the chance to connect with extended family as much as we would like. It was great to renew those ties. It was also awesome watching my children (the ones in Navy above) interact with their much younger cousins (in light blue above). Who knew how nurturing and mentoring my children were? We had such a great time that we are already planning another trip!
On June, 4th, 2013, I was invited to take a tour of the Insurance Institute for Highway Safety. It is amazing to see what they are doing to improve the safety of vehicles by crashing brand new cars! We were fortunate enough to be there on a day when they were crashing a car and the Kia Soul above is the result!
The Insurance Institute for Highway Safety was founded in 1959 for the purpose of supporting highway safety efforts. In 1992, the Insurance Institute for Highway Safety opened its Ruckersville facility (about 60 miles south of Front Royal). The Ruckersville facility is the location of the many crashes that the Insurance Institute for Highway Safety performs each year.
One of the more interesting displays at the Institute was that of a 50 year anniversary crash between 1959 vehicle and a 2009 vehicle. Guess which one won?
Overall the visit was informative and exciting. I hope to be able to visit the Institute again one day.
No matter what — you can’t always avoid an accident. However by following a few tips, you can increase your chances of not getting into an accident.
- Never drink and drive. Studies and statistics on this subject are numerous. Just don’t do it
- Do not engage in distracted driving. Don’t text and drive. Don’t worry about breaking up fights between siblings. Just focus on the road
- Do not speed
- In wet or slippery weather conditions, reduce your speed
- Keep your distance from the car in front of you
- Avoid driving while tired
Hopefully by following these tips, you can stay as accident free as possible.
I am an insurance agent with a lead foot. In fact, I have to pay very careful attention while driving because the moment I stop paying attention to my speed my foot becomes very heavy. With that being said, up until last March, my driving record was clean (in other words I paid very good attention for 5+ years). So I can tell you first hand how much a speeding ticket costs you.
First lets discuss the cost of the actual ticket. Lets say you aren’t going to contest it and lets say you were going 15 miles over the speed limit. The cost of that ticket in Warren County, Virginia would be $64 in court fees + $90 for the amount over the speed limit ($6 per mile), for a total of $154. That in and of itself is expensive, but now lets discuss the insurance expense.
When my policy renewed this year it went up by $180/year. Now depending on your insurance company, that jump in premium will remain for 3-5 years. For argument’s sake lets say it remains for 3 years. That is equal to $540!
So 1 speeding ticket cost me $694! Ouch! Needless to say I am back to paying very close attention to my lead foot!