Told Company’s Insurance Company Would Not Insure Me Because Of Age 70

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Doug Q.'s Comment
member avatar

Replied to a Craigslist ad by text for a Class A driver. They requested copies of my license and medical card. License is clean. They sent an email with release forms for me to electronically sign for background check and DMV check. They sent me a text back stating insurance company would not insure me because I am too old. Anyone know if this is legal?

Dm:

Dispatcher, Fleet Manager, Driver Manager

The primary person a driver communicates with at his/her company. A dispatcher can play many roles, depending on the company's structure. Dispatchers may assign freight, file requests for home time, relay messages between the driver and management, inform customer service of any delays, change appointment times, and report information to the load planners.

DMV:

Department of Motor Vehicles, Bureau of Motor Vehicles

The state agency that handles everything related to your driver's licences, including testing, issuance, transfers, and revocation.

Dwight's Comment
member avatar

The D.O.T. says you're medically qualified. I don't think they could reject your app based on your age. Sounds discriminatory to me.

Doug Q.'s Comment
member avatar

Thanks. I thought the same thing.

The D.O.T. says you're medically qualified. I don't think they could reject your app based on your age. Sounds discriminatory to me.

Doug Q.'s Comment
member avatar

Thanks. I’m going to look further into it

Joseph I.'s Comment
member avatar

Just thinking out loud is it because you are of an age for full medicare and they do not want to overlap with that. If so ask about rider to cover what it does not. I am only guessing with 0 knowledge.

Dwight's Comment
member avatar

D.O.T. states 21 years as the minimum age. There is no maximum. Just because a person reaches an age to qualify for Medicare or S.S. doesn't mean they have to take at that time. There are plenty of drivers who started out in their sixties and older right here on this forum.

I don't know the O.P. situation, but if a company I applied to came back with that, it would be a red flag for me. Better to move on and not waste time.

Banks's Comment
member avatar

I'd be iffy about sending anyone information via text from Craigslist. I can go to Craigslist right now and post an ad saying I'm a recruiter for prime. You text me and I say send me all of you info... Now I have all of your info and you know nothing about me other than my phone number and even that can be fake.

It sounds to me like you were scammed. They got what they wanted and then found an easy reason to back out. No insurance company is going to discriminate for any reason. They're not going to open themselves up to that kind of lawsuit.

Truckin Along With Kearse's Comment
member avatar

Yeah I agree with banks. I wouldn't have done so. Why are you looking on Craigslist for a job. The only drivers I know who do that are high risk.

It is absolutely legal for an insurance company to charge more for an older person and the company may not want to pay that. Do you know anything about this company at all? Have you been there or seen the trucks?

Dan F.'s Comment
member avatar

It is completely legal and normal for insurance companies to reject drivers based on age. It is not considered age discrimination because it is a safety sensitive job and they are an insurance company that take The financial risk burden.

Dwight's Comment
member avatar

I agree an insurance company can deny coverage for any variety of reasons. But the driver states he held a medical card which makes him qualified. The o.p. hasn't given enough information about his experience, or the company he applied to. Yes, Craig's List has scam risks but many reputable companies seek out drivers on these job boards for local positions.

I have yet to see any company state a maximum age limit to be considered for employment. I'm sure they exist. The Dept. of Labor estimated over 250K truck drivers on the road in 2017. I don't think its an industry-wide practice to deny employment or coverage based solely on age.

EPU:

Electric Auxiliary Power Units

Electric APUs have started gaining acceptance. These electric APUs use battery packs instead of the diesel engine on traditional APUs as a source of power. The APU's battery pack is charged when the truck is in motion. When the truck is idle, the stored energy in the battery pack is then used to power an air conditioner, heater, and other devices

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