Can someone give me a couple of answers on this subject? I am going to be a co-driver with the owner of the truck. The owner has to have the occ. insurance but do I? Insurance company says no owner says it is required by D.O.T. If anyone knows what section that would be in the regulations I would like to see it. And also if anyone knows the best rates that would help also. I suppose the bigger the company your leased to is the better the rate.Seems like I was paying either ten or twenty bucks a week three years back. thanks and have a safe day
occupational health ins.
- Thread starter rts0073
- Start date
nightcreacher
Veteran Expediter
If your owner is on with FECC its a requirement in the lease agreement with them.I dont know of it being a DOT reg but most states require workmens comp on employees,OCC insurance is a way around the workmens comp,and is cheaper
moose
Veteran Expediter
Cant help with the Reg.
Yet : Do not Drive without it !!!
Am an owner and paying the premiums for my Co. Driver, dont have to , yet will not allowed a co driver in my truck without this coverage .
a few months ago have shop around for rates , and found the OOIDA rates ,costumer service and coverage to be the best.
have checked 7 Company !
Moose.
Yet : Do not Drive without it !!!
Am an owner and paying the premiums for my Co. Driver, dont have to , yet will not allowed a co driver in my truck without this coverage .
a few months ago have shop around for rates , and found the OOIDA rates ,costumer service and coverage to be the best.
have checked 7 Company !
Moose.
rts0073;
Occupational Accident Insurance is NOT Worker's Comp. It is insurance coverage that protects you in the same areas as Worker's Comp., but at a fixed cost per month rather than the general "percentage of pay" method used by many states. It is not required in DOT regulations that I am aware of. The company you, or your truck owner are leased onto probably requires proof of Workers Comp or proof of Occupational Accident Insurance as a condition of their lease agreement.
The typical truck insurance - which is comprised of "Non-trucking Liability' (aka "Bobtail) and "Physical Damage" coverage does NOT have any medical coverage included. Why is that you ask? Because when you are driving your truck you are WORKING. Thus the need to protect yourself with Worker's Comp or "Occ-Acc".
Some states, such as Michigan, require coverages such as Personal Injury Protection or "PIP". This coverage is usually held to a very minimal amount, such as $5,000. Chances are, if you are injured in a truck accident, that the PIP will NOT cover all of your expenses.
If you review the truck owner's insurance certificate, you will see the PIP listed, along with Michigan's required No-fault, should your truck owner be based in Michigan.
The risk of driving a truck without appropriate coverage is in my eyes, not worth the risk.
Hope this helps you.
Thanks,
HotFr8Recruiter
John Mueller, CDS
Occupational Accident Insurance is NOT Worker's Comp. It is insurance coverage that protects you in the same areas as Worker's Comp., but at a fixed cost per month rather than the general "percentage of pay" method used by many states. It is not required in DOT regulations that I am aware of. The company you, or your truck owner are leased onto probably requires proof of Workers Comp or proof of Occupational Accident Insurance as a condition of their lease agreement.
The typical truck insurance - which is comprised of "Non-trucking Liability' (aka "Bobtail) and "Physical Damage" coverage does NOT have any medical coverage included. Why is that you ask? Because when you are driving your truck you are WORKING. Thus the need to protect yourself with Worker's Comp or "Occ-Acc".
Some states, such as Michigan, require coverages such as Personal Injury Protection or "PIP". This coverage is usually held to a very minimal amount, such as $5,000. Chances are, if you are injured in a truck accident, that the PIP will NOT cover all of your expenses.
If you review the truck owner's insurance certificate, you will see the PIP listed, along with Michigan's required No-fault, should your truck owner be based in Michigan.
The risk of driving a truck without appropriate coverage is in my eyes, not worth the risk.
Hope this helps you.
Thanks,
HotFr8Recruiter
John Mueller, CDS