Colonial Insurance Services

The Importance of Reporting All Claims, All the Time

colonial_admin — Fri, 20 Jan 2017 02:13:55 +0000

You’ve heard it before and here it is again: it is critical that report all claims, regardless of fault, right away to your insurance carrier. Here are some frequently asked questions from our clients: Read more…

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Why Every Trucking Firm Needs to Have a Good Lawyer on Speed Dial

colonial_admin — Wed, 28 Dec 2016 15:14:14 +0000

Today, I wanted to share with you my thoughts on why every trucking firm needs to have a good lawyer on speed dial. As most of you know, primary auto liability provides legal defense against auto-related injuries and property damage. Trucking is a complex business that involves dealing with multiple parties: drivers, shippers, brokers, government, other motor carriers. Read more…

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Multiple Agents Bidding Is A Mistake

Dana Rogers — Mon, 05 Dec 2016 19:37:11 +0000

We receive numerous calls every day from truckers looking to discuss their insurance programs. Most of our conversations are from truckers looking for ways to reduce their annual premium. And, most times we discover they’ve also spoken with a handful of other insurance agents as well. It’s a common misconception among truckers that having multiple insurance agents work on a quote, the better (and lower) your insurance premium will be. After all, isn’t competition healthy? Well, yes … but mostly, no. Read on to find out why

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Guest Passenger Liability

Dana Rogers — Mon, 08 Aug 2016 14:37:03 +0000

Commercial truck driving is a very lonely job. Drivers can be gone away from home for weeks at a time. To some drivers, having a loved one with them on the road would surely make the job much easier. Unfortunately, this is where things get complicated. Read on to find out how to protect your company

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Employee or independent contractor?

colonial_admin — Mon, 01 Aug 2016 14:21:30 +0000

Trucking companies often like to call their drivers “independent contractors” for various reasons. First main reason is tax advantage: Independent Contractors are responsible for the entire part of their Medicare / Social Security taxes. They are exempt from state workers compensation. There is also the doctrine of imputed tort liability and the trucking company is not legally responsible for the actions of the drivers.

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Cargo Shift Truck Accidents

colonial_admin — Sat, 30 Jul 2016 14:08:26 +0000

FMCSA data show that cargo shifts are one the leading causes of heavy truck accidents. The results can be devastating – damaged truck and cargo loss, other vehicles on the road endangered, heavy injuries or even death. Such disastrous crashes can be avoided if the people responsible for the secure loading of the truck do their job. Who Bears Responsibility? Find out now.

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How to Successfully Appeal Inaccurate SAFER data

colonial_admin — Fri, 29 Jul 2016 13:35:02 +0000

Our trucking clients often inquire how they can correct any erroneous inspection or violation or an incorrectly assigned crash that may negatively impact their SAFER BASICs score. Continue reading

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Commercial Truck Insurance Myths

colonial_admin — Thu, 24 Mar 2016 16:30:26 +0000

While the insurance world can seem complex and intimidating, it’s important to understand how your insurance works to avoid coverage gaps and to obtain the most affordable policy for your trucking operation. In this article, we’ve compiled some of the most common commercial truck insurance myths we’ve encountered. Continue reading …

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Is this the end of insurance as we know it?

colonial_admin — Sat, 23 Mar 2013 17:20:09 +0000

Posted on November 14, 2015 by Colonial Insurance in Trucking Technology

If you are like most insurance professionals today, life is good. You built a nice practice or a successful agency. You live a comfortable life in the suburbs with a country club membership, a yacht on the lake, and a vacation home in Florida. I am stereotyping, of course. It is a fact, however, that most insurance professionals have a great and rewarding carriers, and we’ve grown increasingly accustomed to the good life our industry provides. Continue reading …

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Best Dash Cam Systems for Truckers

colonial_admin — Sun, 17 Mar 2013 16:40:53 +0000

Posted on November 4, 2015 by Colonial Insurance in Trucking Technology

Dash cam recording systems are becoming very popular with owner-operators and trucking fleets because they can be used to protect truckers against fraudulent claims, which can inflate insurance costs and result in thousands of dollars (or more) in damages. Imagine being in an accident and being unable to prove the other vehicle was at fault. Continue reading …

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