California’s Laws on Cell Phone Use While Driving Explained

| posted in Blog, Newsletter

By now, most of us are aware there can be dangerous consequences to using a cellphone while driving. But, many are unfamiliar with the actual laws on cell phone use while driving. These regulations can vary from state to state, so it’s important to do your research in each state you plan to visit or do business in. California has some of the strictest laws on cell phone use while driving, so we wanted to dive deeper and look at the fine print in these regulations. To ensure your staff knows the law, we are sharing these frequently asked questions…
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That Texting-While-Driving Ticket Will Likely Increase Your Premium

| posted in Blog, Newsletter

One of the main reasons that car insurance rates are going up is the increase in distracted driving, which has led to a significant jump in vehicular deaths and accidents in the last five years. Despite most states in the country now having laws barring the use of your phone for talking or other tasks such as messaging or taking pictures, accidents from distracted driving continue mounting. So, what if you are one of the ones who gets a ticket for distracted driving? Be prepared for a significant increase in your insurance, according to the “2019 Distracted Driving Report” by The…
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Commercial Auto Rates Face New Headwinds

| posted in Blog

More accidents attributed to smartphone use while driving, coupled with much higher costs of repairs, have led to double-digit increases in commercial auto insurance rates over the past few years. Distracted driving is just one of many factors that have converged on commercial auto insurance claims, resulting in sustained premium increases. Now there are new factors that are coming into play that will ensure that rates continue climbing, at least in the near term. Commercial auto rates are increasing for companies with large fleets as well as for businesses with just a few vehicles and drivers. Here’s what’s at play…
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Five Ways to Reduce Accidents among Your Driving Employees

| posted in Blog, Newsletter

We’ve often discussed the scourge of distracted driving in America, brought on in large part due to the use of smartphones and leading to a significant spike in vehicle accidents, injuries and deaths. That in turn has led to a jump in both commercial and personal auto insurance pricing. The risk for businesses is even greater as a careless driving employee can result in a substantial liability claim, particularly if a third party is injured. If one of your drivers is found to have been engaged in distracted driving, any judgment or settlement for a personal injury could easily cost…
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Employees Driving Their Own Vehicles on the Job Are Your Liability

| posted in Blog

Many business owners don’t think twice when asking a worker to run to the office supply store, to the bank or run another errand for the company while on the clock. But as soon as that employee enters their personal vehicle on a trip for your business, you automatically become vicariously liable for their actions. Think it’s not a big deal? There have been cases when employers have been found liable and ordered to pay up to $25 million for crashes involving employees using their cell phones while driving, according to the National Safety Council. That means if your employee…
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Commercial Auto Rates Continue Climbing

| posted in Blog

By now, you’ve likely noticed that your commercial automotive insurance rates have been increasing since last year, and for now there seems to be no slowing the momentum. The increase is probably noticeable since the period between 2011 and 2016 saw rates drop thanks to a number of factors, including fewer accidents, fewer cars on the road and more competition among insurance companies vying for your business. In this article we look at what’s behind the increase in rates. More drivers More people are driving than since the recession that started in 2008. When millions of Americans lost their jobs…
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