Insurance issues often signal bigger compliance problems. Here’s a breakdown of the top red flags insurers (and DOT) watch — and how you can correct them.
1. High CSA Scores
Insurers review your CSA scores heavily.
Fix it by:
- Addressing safety violations quickly
- Training drivers
- Scheduling proactive maintenance
2. Frequent Claims or Accidents
Multiple claims spike your premiums.
Fix it by:
- Reviewing accident causes
- Providing defensive driving training
- Enforcing safety policies
3. Lapsed or Non-Paid Policies
Even a brief lapse can suspend your DOT authority.
Fix it by:
- Automating payments
- Monitoring renewal dates
- Working with a dedicated insurance advisor
4. Improper Driver Vetting
Hiring unqualified drivers increases risk.
Fix it by:
- Strict hiring standards
- Proper DQF maintenance
- Reviewing MVRs before hiring
5. Inadequate Coverage Amounts
FMCSA requires minimum coverage. Not meeting requirements can cause revocation.
Fix it by:
- Regular policy reviews
- Ensuring proper coverage limits
- Consulting with trucking insurance specialists
Insurance is both a compliance tool and a business protector. Fixing red flags early keeps your premiums stable and your authority safe.