Told Company’s Insurance Company Would Not Insure Me Because Of Age 70
Topic 28777 | Page 2
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.
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;
Company declined his app.
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~!
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.
His age as a driver, i.e. 'too old'.
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. . . .
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.
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Changing Careers Choosing A Trucking Company DOT Physical Older truck drivers Part-Time Driving
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Edit; 250K driver over 65 years of age.