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Commercial Automobile Insurance – Loss prevention…

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Backing up accidents are a significant cause of loss for businesses with commercial automobile insurance.  A good insurance company will have training and educational materials to help business owners manage their vehicle fleets to avoid accients.   Untrained and unscreened drivers cause accidents.  Call us if you’d like to discuss some of the issues or what insurance companies can do to help you.  1-800-548-2329.  Or get some basic information at the GBW Insurance website by clicking here

A couple of points to consider:  90% of backing accidents are preventable by taking care and using proper techniques.  And the majority of backing accidents with bodily injury involve children under the age of 5.  Not only does proper training lower insurance costs, it saves lives.

The following is a summary sheet from CNA Insurance (one of the “A” rated carriers we work with), discussing some basics for safe parking and backing.

From CNA Insurance: 

A National Highway Traffic Safety Administration
(NHTSA) study determined that over 90% of backing accidents
can be attributed to one of the following causes:
• Driver was unaware of the obstacle
• Driver used improper backing techniques
Yet, these accidents can be prevented by using some of
the following simple accident prevention techniques:
Preplan trips to avoid or to minimize the need for backing.
• When entering an alley that does not permit drive
through or turnaround, back into the alley, if allowed
by local ordinance, since it is usually safer
to back into the area with less traffic. This will enable
you to see the traffic as you exit the alley.
• When backing out of an alley, ask someone to be
your guide, and signal when it is safe to back into
traffic.
• When a guide is used, instruct the guide to use
appropriate hand signals rather than voice commands.
• The majority of backing accidents with bodily injury
involve children under the age of 5. Make a
walk around inspection of your vehicle before
backing, especially in an area where young children
can be anticipated.
• Park defensively to prevent your vehicle from rolling
into another vehicle. If parking on an incline,
turn the front wheels into the curb to prevent the
vehicle from rolling.
• Park in the middle of the parking space. This will
allow you room to exit the parking space without
backing and provide space if backing is required.
• Never take any situation for granted. Even though
you may have parked or backed into a location
many times, evaluate the location to determine if
clearances have changed or if new obstacles are
present.
• Experience is required to develop good backing
techniques. If you have access to a designated
area to practice backing – use it.
• Learn exactly how the rear of the vehicle responds
to every little movement of the steering
wheel. Practice – Practice – Practice!
• Know what’s going on around you at all times and
perform all backing maneuvers SLOWLY.
• Check all your mirrors when backing. Know the
mirror blind spots. Conduct a walk around inspection
of your vehicle to check these blind spots or
get someone to guide you while backing. Know
the clearance to all obstacles and the exact distance
to your stopping point.

The information, examples and suggestions presented in this material have been developed from sources believed to be reliable, but they should not be construed as legal or other professional advice.
CNA accepts no responsibility for the accuracy or completeness of this material and recommends the consultation with competent legal counsel and/or other professional advisors before applying this
material in any particular factual situations. This material is for illustrative purposes and is not intended to constitute a contract. Please remember that only the relevant insurance policy can provide the
actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. CNA is a registered
trademark of CNA Financial Corporation. Copyright © 2010 CNA. All rights reserved

 

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