Accidents happen — even to the most careful truck drivers. But how you handle an accident can make a big difference in protecting your commercial truck insurance rates and keeping your business running smoothly. At Logrock, we’re here to help truckers navigate accidents while minimizing long-term insurance impacts. Let’s break down exactly what to do (and what to avoid) after an accident to safeguard your coverage.
✅ Secure the Scene: Turn on hazard lights and set out warning triangles to prevent further accidents.
✅ Check for Injuries: Call 911 if anyone is injured — safety comes first, always.
✅ Notify Law Enforcement: Even for minor incidents, getting a police report is crucial for FMCSA compliance and future claims.
Why it matters: Quick, responsible action shows insurers you’re a low-risk driver, which helps keep your truck insurance premiums in check.
📸 Take Photos and Videos: Capture vehicle damage, license plates, road conditions, and any injuries.
📝 Collect Key Details: Gather names, contact info, insurance details, and witness statements.
🚓 Request a Police Report: An official report is vital for commercial truck insurance claims and can help protect your CSA score.
Comprehensive documentation strengthens your insurance claim and can prevent unjust rate increases.
📞 Report the Accident Promptly: Delaying a report can raise red flags and affect your trucking insurance coverage.
📂 Share Collected Evidence: Providing detailed documentation helps speed up the claims process and supports your case.
🤝 Lean on Your Broker: If you’re with Logrock, we’ll walk you through the claims process to help avoid mistakes that could raise your commercial trucking insurance rates.
❌ Don’t Admit Fault: Even a simple apology can be used against you during claims processing.
❌ Don’t Skip the Police Report: Even if damage seems minor, a report protects you from false claims and supports your FMCSA insurance compliance.
❌ Don’t Ignore Post-Accident Maintenance: Address vehicle damage immediately to avoid DOT violations during inspections.
🔧 Conduct a Post-Accident Review: Analyze what happened and adjust safety protocols if needed.
📚 Train Your Drivers: Ongoing safety training can improve your CSA score and unlock insurance discounts.
🛡 Invest in Safety Tech: Tools like dashcams, telematics, and ELDs with safety features can prevent future incidents and help lower trucking insurance costs.
Handling an accident the right way doesn’t just protect your truck — it protects your commercial truck insurance rates and your business’s financial health. At Logrock, we help trucking companies stay compliant, save on coverage, and navigate the claims process with confidence.
Written by Daniel Summers
Reviewed by Mike Davis
Posted by
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