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Dear customers,

We want to extend a warm welcome to you as a new or renewing client. We appreciate your recent purchase and are eager to ensure that you are taking full advantage of all the services we offer. Here are 5 key things you should keep in mind:

1. You should have received a link to our online certificate issuance service. If you need any assistance with it, please don’t hesitate to let us know.
2. If you require our service team to issue a certificate, you can contact us at coi@18wheelsinsurance.com. Our team is available from 8:30am to 5:30pm Eastern Time, and the processing time is typically within 5-10 minutes.
3. If you need to make any policy changes, such as updating vehicles, drivers, coverage, or values, please email us at info@18wheelsinsurance.com.
4. In the unfortunate event that you need to file a claim, please report it to claims@18wheelsinsurance.com.
5. For any payment inquiries or to make Zelle or check payments, please use billing@18wheelsinsurance.com.

If you have any questions or concerns about your policy, please don’t hesitate to reach out to us.

BMC-91 and MCS-90 are both forms that are required by the Federal Motor Carrier Safety Administration (FMCSA) for commercial motor carriers operating in the United States. However, they serve different purposes and cover different types of liabilities.

BMC-91 is a form used to prove that the carrier has liability insurance coverage for bodily injury, property damage, and environmental restoration. It provides evidence of financial responsibility and is required for motor carriers operating vehicles that transport property across state lines.

On the other hand, MCS-90 is an endorsement that is added to the insurance policy and acts as a guarantee that the insurance company will pay for any judgments against the carrier for bodily injury or property damage caused by the carrier’s negligence or failure to maintain the vehicle. Unlike BMC-91, MCS-90 covers the public and is not limited to a specific type of liability.

In summary, while both forms are required by the FMCSA, BMC-91 provides proof of liability insurance coverage, while MCS-90 serves as an endorsement to the insurance policy and covers the public against any negligence or failure to maintain the vehicle by the carrier.

The cost of a trucking accident can vary widely depending on several factors, including the severity of the crash, the type of damage sustained, and the number of vehicles and people involved. However, on average, the cost of a trucking accident can be substantial.

According to the Federal Motor Carrier Safety Administration (FMCSA), the average cost of a large truck crash involving a fatality was estimated to be $3 million in 2020. This includes costs related to medical expenses, property damage, legal fees, and other costs associated with the crash.

The cost of a trucking accident involving injuries can also be significant. The FMCSA estimates that the average cost of a large truck crash involving an injury was $130,000 in 2020. This figure can increase significantly if the injury is severe, or if multiple people are injured in the crash.

In addition to direct costs, such as medical expenses and property damage, trucking accidents can also result in indirect costs, such as lost productivity, increased insurance premiums, and decreased consumer confidence in the trucking industry.

It is important to note that these figures are estimates, and the actual cost of a trucking accident can be higher or lower depending on the specific circumstances of the crash. Nevertheless, it is clear that the cost of trucking accidents can be substantial, and it is in everyone’s best interest to take steps to reduce the risk of crashes and minimize the impact of accidents when they do occur.

Speeding is a major contributor to fatal crashes, as it increases the risk of losing control of the vehicle and reduces the amount of time available for the driver to react to potential hazards on the road.

Truck accidents involving speeding often result in severe injuries or fatalities. According to the National Highway Traffic Safety Administration (NHTSA), over 4,000 people were killed in crashes involving large trucks in the United States in 2019. Of these fatalities, approximately 17% were occupants of the large trucks, while the remainder were occupants of other vehicles or non-occupants.

Research has shown that the risk of a crash increases with speed, and trucks require longer distances to stop than passenger vehicles due to their size and weight. The combination of speed and the large size and weight of trucks can make truck accidents involving speeding particularly dangerous.  The Insurance Institute for Highway Safety (IIHS) has found that the risk of fatal crashes increases significantly as speed increases, even in small increments. For example, the risk of a fatal crash doubles with every 10 mph increases in speed above 50 mph.

In addition to the risk of crashes, speeding also reduces the fuel efficiency of trucks, increases wear and tear on the vehicle and its components, and contributes to the creation of dangerous road conditions.

Insurance companies use ELD data to better understand a trucker’s driving behavior and performance. This information can then be used to assess the level of risk associated with insuring a particular driver or trucking company, and to set insurance rates accordingly.

Specifically, insurance companies may use ELD data to:

1. Evaluate driving habits: ELD data can provide insights into a trucker’s driving habits, such as their speed, braking patterns, and overall driving style. This information can help insurance companies assess the risk of insuring a particular driver.
2. Monitor compliance with regulations: ELD data can help insurance companies monitor compliance with regulations such as hours of service rules, which limit the amount of time a trucker can spend on the road.
3. Determine accident risk: ELD data can provide information about a trucker’s driving history, including any accidents they have been involved in. This information can help insurance companies assess the risk of insuring a particular driver or trucking company.
4. Set insurance rates: Based on the information obtained from ELD data, insurance companies can set insurance rates that accurately reflect the level of risk associated with insuring a particular driver or trucking company.

It’s important to note that not all insurance companies use ELD data, and the use of this data is subject to various legal and regulatory restrictions. It’s best to check with a legal expert or industry professional for the most up-to-date information on the use of ELD data in your jurisdiction.