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

Topic 28777 | Page 2

Page 2 of 2 Previous Page Go To Page:
Dwight's Comment
member avatar

Edit; 250K driver over 65 years of age.

Daniel B.'s Comment
member avatar

My wife is a dispatcher for a small O/O company of about 12 drivers. I told her your story and the first thing she said was "I would deny him too".

Sounds harsh but let me put it in perspective. They, and probably the company you replied to, are a super small company that must prioritize risk because one driver getting into a bad at-fault accident will put the company out of business. The bank isn't exactly in the millions. They need to be careful who they let in and a driver who is 70 years old is obviously at huge risk but obvious reasons. Its not worth the risk.

The insurance company has all the say and whether you like it or not their insurance company might not be premium and they declined you.

But take heart, theres a trillion other companies out there so no need to dwell on this one. Just take their reply and move on in my opinion.

Dispatcher:

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.
Anne A. (G13MomCat)'s Comment
member avatar

This may be a 'dumb' question, but is the O/P referring to health/medical insurance, or the motor carrier insurance of the company he is looking into, or are they one in the same?!?!?

Thanks;

sorry.gifconfused.gifsorry.gif

Dwight's Comment
member avatar

Company declined his app.

Anne A. (G13MomCat)'s Comment
member avatar

Company declined his app.

Got that point, but was the company declining him due to age, re: 'medical' insurance' reasons, or 'CMV T/T insurance' reasons, ie: the O/O's truck insurance????

Ie: When my husband drove for an O/O, we had to 'purchase' insurance for med/dent/vis or just run on mine, which we did. Bossman's CMV insurance through Progressive, had nothing to do with 'doctor' insurance, as i call it... but had to clear, with DOT / DMV , etc.. to hire the husband.

PJ ... any thoughts? Dan F. ? Sid V. ?

Just wondering 'which' insurance caused the company to decline his app, due to age.

Thanks anyway, though~!

thank-you.gifsorry.gifthank-you.gif

DOT:

Department Of Transportation

A department of the federal executive branch responsible for the national highways and for railroad and airline safety. It also manages Amtrak, the national railroad system, and the Coast Guard.

State and Federal DOT Officers are responsible for commercial vehicle enforcement. "The truck police" you could call them.

CMV:

Commercial Motor Vehicle

A CMV is a vehicle that is used as part of a business, is involved in interstate commerce, and may fit any of these descriptions:

  • Weighs 10,001 pounds or more
  • Has a gross vehicle weight rating or gross combination weight rating of 10,001 pounds or more
  • Is designed or used to transport 16 or more passengers (including the driver) not for compensation
  • Is designed or used to transport 9 or more passengers (including the driver) for compensation
  • Is transporting hazardous materials in a quantity requiring placards

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

His age as a driver, i.e. 'too old'.

Anne A. (G13MomCat)'s Comment
member avatar

His age as a driver, i.e. 'too old'.

For 'CARRIER' insurance then, not medical. Seems like what Daniel B. was saying also. Others were talking about his 'medical' bills/issues, which would have no bearing.

Okay, thanks! Carry on. . . .

PJ's Comment
member avatar

It sounds like the carrier insurance on the trucks. I understand it. Insurance companies have all the say when it comes to small companies.

The big companies are self insured for the most part, and the rules can be very different.

Page 2 of 2 Previous Page Go To Page:

New Reply:

New! Check out our help videos for a better understanding of our forum features

Bold
Italic
Underline
Quote
Photo
Link
Smiley
Links On TruckingTruth


example: TruckingTruth Homepage



example: https://www.truckingtruth.com
Submit
Cancel
Upload New Photo
Please enter a caption of one sentence or less:

Click on any of the buttons below to insert a link to that section of TruckingTruth:

Getting Started In Trucking High Road Training Program Company-Sponsored Training Programs Apply For Company-Sponsored Training Truck Driver's Career Guide Choosing A School Choosing A Company Truck Driving Schools Truck Driving Jobs Apply For Truck Driving Jobs DOT Physical Drug Testing Items To Pack Pre-Hire Letters CDL Practice Tests Trucking Company Reviews Brett's Book Leasing A Truck Pre-Trip Inspection Learn The Logbook Rules Sleep Apnea
Done
Done

0 characters so far - 5,500 maximum allowed.
Submit Preview

Preview:

Submit
Cancel

Join Us!

We have an awesome set of tools that will help you understand the trucking industry and prepare for a great start to your trucking career. Not only that, but everything we offer here at TruckingTruth is 100% free - no strings attached! Sign up now and get instant access to our member's section:
High Road Training Program Logo
  • The High Road Training Program
  • The High Road Article Series
  • The Friendliest Trucker's Forum Ever!
  • Email Updates When New Articles Are Posted

Apply For Paid CDL Training Through TruckingTruth

Did you know you can fill out one quick form here on TruckingTruth and apply to several companies at once for paid CDL training? Seriously! The application only takes one minute. You will speak with recruiters today. There is no obligation whatsoever. Learn more and apply here:

Apply For Paid CDL Training

About Us

TruckingTruth was founded by Brett Aquila (that's me!), a 15 year truck driving veteran, in January 2007. After 15 years on the road I wanted to help people understand the trucking industry and everything that came with the career and lifestyle of an over the road trucker. We'll help you make the right choices and prepare for a great start to your trucking career.

Read More

Becoming A Truck Driver

Becoming A Truck Driver is a dream we've all pondered at some point in our lives. We've all wondered if the adventure and challenges of life on the open road would suit us better than the ordinary day to day lives we've always known. At TruckingTruth we'll help you decide if trucking is right for you and help you get your career off to a great start.

Learn More