Reducing Risks to your Business Vehicle
When you own or lease commercial vehicles, you need appropriate commercial auto insurance. However, you’ll still want to do what you can to reduce risk and insurance claims.
Follow these helpful tips to prevent accidents and protect your employees and vehicles.
Establish Company Policies
Start by instituting policies that apply to all drivers and all company vehicles. These are a few of the basics you’ll want to include:
- Limit business vehicles to work-related travel.
- Insist employees honor speed limits. Even if your company’s busy, you don’t want to jeopardize employee and vehicular safety through excessive speed.
- Lock vehicles and park in a secure, well-lit area.
Hire, Train, Reward
You can minimize risk by recruiting safe drivers from the get-go. Always check employee driving records for past infractions. Assess a potential employee’s temperament to ensure they can handle driving stresses and avoid road rage.
Finding good drivers is only part of the equation. You’ll also need to provide driver training. Even if they’re highly-experienced, they can benefit from a safety refresher course.
Recognize drivers and departments if they operate your vehicles safely. Awards and incentives can make a huge difference to drivers, especially when you encourage friendly rivalries.
Set Driving Rules
When you let drivers know what they should and shouldn’t do it increases safety and decreases potential liability issues.
- Ensure ever driver buckles up every time they drive. Wearing a seat belt is law in Colorado since it is proven to prevent injuries and fatalities.
- Create a zero-tolerance substance abuse policy, including consequences if drivers do not comply.
- Prohibit cellphone use while driving. Distracted driving is a major cause of accidents and Colorado law prohibits texting, calling, emailing, or posting while operating a vehicle.
Teach Drivers Proper Response Procedures
Accidents can happen even after you choose and train a great driver. If a driver’s involved in an accident they need to know how to respond appropriately to limit liability.
Drivers should remain at the scene of an accident, contact the police, and collect pertinent information such as insurance details, license plate numbers, and contact names and telephone numbers for drivers and witnesses.
Even though an accident is an unwelcome event, it can also be a chance for drivers to learn. If an employee’s actions cause an accident, analyze the causes and discuss it with employees. Clarify this process isn’t to lay blame, but to learn for the experience so other drivers don’t repeat the same behaviors.
Before something untoward occurs, review your insurance coverage with your agent. You don’t want to discover your policy doesn’t cover an event or you have insufficient coverage if something happens.
If a driver has an accident, or a vehicle’s vandalized, stolen, or damaged and you need to file a claim, contact your insurance agent as soon as possible to speed the process. They’ll guide you through the claims process including getting estimates for repairs.