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Wednesday, July 28 2021
Why Florida is Keeping Semi-Trucks Out Of The Left Lane

Orlando, Fla.—In Florida, commercial motor vehicles (CMV), including large trucks and buses, have operating limitations such as large blind spots, long stopping distances, and limited maneuverability that make it essential for other road users to put extra focus on safety, the most recent one is the Left Lane Restriction.

The current truck lane criterion in Florida includes 6-lane interstate freeways primarily consisting of rural interstate sections. Trucks are restricted from the left or inside travel lane, leaving it specifically for automobile traffic. Tour buses and recreational vehicles (RVs) are not considered commercial trucks and are allowed to travel in the left or inside travel lane.

Tour buses and recreational vehicles (RVs) are not considered commercial trucks and are allowed to travel in the left or inside travel lane.

Troopers are out and looking for truck lane violations with a minimum fine of $120 and three points assessed to the CDL (Commercial Driver License).

Some of the reasons include:

  • Since lane changes are a major cause of collisions, truck lane restrictions improve safety and reduce congestion.

  • If you see sign shown above, move over.
  • Limiting trucks from the inside lane on designated portions of the highway results in reduced incidents and crashes.
  • Truck lane restrictions work to reduce congestion and save lives, without adversely affecting travel speed.
  • When those driving large trucks see a No Trucks Left Lane sign, they must move over and remain in the right lane if pulled over you could receive a fine. When you see the sign “No Trucks in the Left Lane”, stay in the right lane. A lane restriction violation affects a carrier CSA score.
  • No Truck Left Lane applies to industrial and commercial trucks BUT the left lane is not meant for cruising for any motorist. The left lane should be used for passing, traffic build-up and allowing emergency vehicles to pass.
  • On multi-lane streets, roads and highways drivers must drive in the right-hand lanes to prevent impeding the flow of traffic resulting in dangerous driving situations. Drive in the right lane and pass on the left.
  • Remember: if you can’t see the truck driver, he can’t see you. Trucks have blind spots on all sides that make it hard to see you. Take care to pass trucks slowly and cautiously, on the left side for maximum visibility.
  • When a truck passes you, keep to the right side of your lane. Do not speed up while the truck is passing you. Share the road with big trucks so everyone can arrive safely at their destinations!
  • Weaving and gapping during passing with automobile and truck traffic is one of the many hazards present on a highway. Limiting truck traffic in the inside lane reduces the weave/gap maneuvers during passing and results in reduced vehicular incidents and crashes.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Posted by: AT 08:52 pm   |  Permalink   |  Email
Wednesday, June 30 2021
Primary Liability vs. General Liability in Truck Insurance

Orlando, Fla.— So, what is commercial truck insurance? It is a group of insurance auto policies created to cover the needs of the trucking industry.

There is a big difference between primary liability and general liability. If you want insurance to be able to drive, the primary liability coverage is what you may need. This type of insurance will only cover the damage to another vehicle or to a person in the event of an accident, that way at least the public is protected. All trucks require at least $750,000 in insurance coverage.

Now, in order to get your trucks out there in roads, then you will need general liability. The general liability offers additional protection in cases of lawsuits or a libel/slander/false advertising claim against your business.

In other words, if you drive on your own as an independent truck driver, what you may need is a primary liability insurance, but if you are an owner/operator of a trucking business with a vision to expand you will need general liability coverage. The Federal Motor Carrier Safety Administration (FMCSA) might require certain trucking operations (for example, those that haul cars) to show proof of adequate general liability coverage. Drivers have to prove they have a minimum of primary truck insurance to be approved by the FMCSA. Leasing agreements for the trucks might also require proof of general liability truck insurance.

Is a commercial auto policy good enough to protect my trucking operation? Truck drivers face day-to-day risks than cars/vans, and for-hire truckers need truck insurance, otherwise, truck drivers might find themselves vastly under-insured under a commercial auto plan (or unable to get behind the wheel at all).

At Orlando Truck Insurance, we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations. Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 07:12 pm   |  Permalink   |  Email
Wednesday, May 26 2021
Trucking in Hot Weather Conditions

Orlando, Fla.—Driving in hot weather is not always easy, and it can take a toll on driver and truck. With the upcoming official arrival of summer in June 21, being on the open road makes you susceptible to the tricks of the heat caused by the heat sun. Any extreme weather condition can make for difficult driving conditions for the men and women who spend their days behind the wheel. Hot weather trucking can be particularly taxing.

You better learn how to stay safe in the heat

First, when the sun is hot, so is the cab of your truck. According to a study conducted by the University of San Francisco, where they monitored temperature every 10 minutes on an enclosed vehicle, and found that after 10 minutes, the temperature rose 19 degrees. By 20 minutes, there was a 29-degree rise, and by 60 minutes, the temperature in the vehicle rose 43 degrees. The study proved that it only takes a few minutes for an enclosed vehicle’s temperature to reach deadly levels.

Hydrate Yourself

Truckers who are on the go a lot, even if they are regional truckers, need to stay hydrated throughout the day, but especially during the hot months of the summertime. 

Dehydration is a serious concern for summer truckers, and it can be detrimental to a person.

Protect Your Truck’s Engine

You must check the engine oil and coolant regularly. Oil keeps your truck’s engine cool and lubricates it to help its parts run smoothly. Otherwise, the engine can overheat and cause serious damage to the truck. Coolant is also very important to keep your engine in good condition during the summer months.

Air Conditioning Maintenance

Keeping an eye on various components regularly like the antifreeze levels and more can help the A/C system to remain in good working condition throughout the hot months. If the antifreeze is ever turned off in a truck or it is low, then the air conditioning system will not be able to operate at all. This is very important for keeping yourself cool during the summer.

Take Breaks

Getting out of your truck just a few times on your travels can help keep you cooler than before. While most truckers are put on strict schedules, it is also possible to take just a few breaks here and there throughout the ride. Regional truckers especially can take advantage of food and restroom breaks. They can give you a few minutes in the cool air outside of the truck, and it is also a good time to stretch for the remainder of the trip.

Don’t Forget to Wear Sun Screen

Remember, the sun poses special challenges for truck drivers.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 10:46 am   |  Permalink   |  Email
Thursday, April 22 2021
Moving Companies Are About To Experience Their Peak

Orlando, Fla.—The peak moving season occurs in the summer, with 80% of all moves in the United States occurring  between April and September.

As interesting as it gets, the pandemic raised the possibility that more workers could move anywhere, potentially scrambling the map of booming and declining places in the American economy.  It turns out to be a big deal. New data shows that it appears to have shifted a large flow of urban residents out of New York and San Francisco, both well known for the kinds of jobs that can be done remotely. According to the US Postal Service, about 30 million change-of-address requests show that aside from the known areas,  it is also a combination of  some smaller regional metro areas and vacation hubs the ones that are being most benefited. The census will start to release data later this spring that will tell a more definitive story about population and migration shifts during the pandemic, although with a time lag. So, in the meantime, the US Postal Service data gives us some of our best insight, spanning the whole country, down to the ZIP code level.

As a moving company you own trucks, and regardless of whether your company 18 wheelers drive across country or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets. These trucks are the lifeblood of your company.

Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers. 

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

Our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our experienced insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 07:54 pm   |  Permalink   |  Email
Thursday, March 25 2021
Florida Hours of Service Rules for Truck Drivers

Orlando, Fla.—The Hours of Service regulations are issued by the Federal Motor Carrier Safety Administration and govern the working hours that drivers can operate commercial motor vehicles.  

Section 316.302, Florida Statutes provides these hours for a person who operates a commercial motor vehicle solely in intrastate commerce.

  • Driver may drive 12 hours after 10 consecutive hours off duty.
  • Driver may not drive after 16th hour after coming on duty following 10 consecutive hours off duty.
  • Driver may not drive after 70/80 hours on duty in 7/8 consecutive days. 34 consecutive hours off constitutes end of 7/8 day period.
  • Drivers who do not exceed 150 air mile radius and no placarded haz mat are exempt from maintaining a log book. 
  • Drivers not released from duty within 12 hours must document driving time.

On June 1, 2020, the Federal Motor Carrier Safety Administration revised four provisions of the hours of service regulations to provide greater flexibility for drivers without adversely affecting safety.

Here’s what changed

Short-haul Exception

Expands the short-haul exception to 150 air-miles and allows a 14-hour work shift to take place as part of the exception.

Adverse Driving Conditions Exception

Expands the driving window during adverse driving conditions by up to an additional 2 hours.

30-Minute Break Requirement

Requires break of at least 30 consecutive minutes after 8 cumulative hours of driving time (instead of on-duty time) and allows an on-duty/not driving period to qualify as the required break.

Sleeper Berth Provision

Modifies the sleeper berth exception to allow a driver to meet the 10-hour minimum off-duty requirement by spending at least 7 hours of that period in the berth combined with a minimum off-duty period of at least 2 hours spent inside or outside the berth, provided the two periods total at least 10 hours. When used together as specified, neither qualify period counts against the 14-hour driving window.

Before the ELD mandate (electronic logging devices), drivers used to record their hours of service on paper, and editing the records was possible. Now, after the implementation of the ELD mandate, drivers have to be very mindful of their available hours of service rules.

The U.S. Department of Transportation calls sleep-deprivation a leading factor in fatal commercial vehicle accidents, which results in several deaths every year.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our experienced insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 08:27 am   |  Permalink   |  Email
Monday, March 01 2021
Why Truck Inspections Matter So Much

Orlando, Fla.—The Department of Transportation (DOT) conducts annual inspections of commercial motor vehicles, as well as the truck drivers, to ensure highway safety.  

Some things they will look at include:

  • CDLs
  • Seat belts
  • Medical cards
  • ELD compliance
  • Records of duty status

US DOT violation of any kind can result in the revocation of driver privileges. This will be in place until special conditions are met. US DOT violation of any kind can result in the revocation of driver privileges. Vehicle inspections and truck maintenance can also help you control costs and keep drivers safe on the road. 

A properly executed vehicle inspection can help your drivers:

  • Discover unsafe conditions before they cause accidents or crashes.
  • Find mechanical problems before they lead to costly breakdowns.
  • Avoid being placed out of service during a DOT roadside inspection, or being subject to infractions and fines.

How can a carrier meet the annual inspection requirements?

Federal safety regulations require that commercial motor vehicles operating in interstate or foreign commerce must pass an inspection at least annually. The inspection requirements may be met through periodic inspection programs administered by the states, by a self–inspection, or an inspection performed by a commercial garage or similar commercial business so long as the inspection complies with federal standards or compatible state standards.

Who is qualified to conduct a self-inspection for an annual inspection?

A motor carrier self–inspection must be undertaken by a qualified inspector, whether the inspector works directly for the carrier or a third party, such as a truck stop, repair shop, or an inspection business. The inspector qualification requirements can be found in §396.19. Evidence of the inspector's qualifications must be documented. The annual inspection report must be retained for 14 months.

Is a pre-trip inspection required?

The federal safety regulations require the driver to be “satisfied” that basic parts and accessories are available and "in good working order" prior to driving the vehicle. Although not required to be in writing, this pre-driving determination must include specific parts and accessories. The driver must also ensure that all cargo and vehicle components are properly distributed and/or secured. Also, when available, the driver must review the last driver’s vehicle inspection report (DVIR) and sign it if defects or deficiencies were reported.

Safety is of paramount importance, and when it comes to protecting your investment, cargo, or your business from the many liabilities that come with the job, there is Orlando Truck Insurance right by your side.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our experienced insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are in this together!

Diana Munoz - Licensed Agent

Email Diana

Posted by: AT 01:05 pm   |  Permalink   |  Email
Wednesday, February 17 2021
How Would You Recover if it Weren't for Your Truck Insurance Coverage?

Orlando, Fla.—In addition to all the issues related to DOT requirements due to regulations, new truck drivers face additional challenges to their daily work routines, which might cause them to struggle to find insurance coverage options. Some say that finding coverage for a driver that is just beginning is now the most difficult it has ever been.

Regardless of whether your company 18 Wheelers drive across country or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets.

At Orlando Truck Insurance we have access to a high number of exclusive insurance markets that specialize in working with distressed operations that require specialized programs tailored to high risk truck insurance.

The following are examples of the types of operations insured in the high risk truck insurance which may affect new drivers:

  • Newly Licensed Truck Drivers
  • Problem Truck Drivers
  • New Authorities
  • High Risk Trucking Companies
  • Problems caused by claims history
  • DUIs for truck drivers
  • High Risk Commercial Truck Insurance
  • High risk cargo insurance
  • Previously denied coverage
  • Drivers with high FMCSA scores
  • Authorities with high FMCSA Scores
  • Poor Credit Scores
  • State Assigned Risk Pool

As a new truck driver, it is of utmost importance to have the required insurance to get jobs with load brokers, or any other potential contracts. Some of the coverages that may be required as a new truck driver include, but are not limited to: 

Business Owner's Policy (BOP): A business owner's policy is a bundle of policies for your specific owner-operator or small fleet company. It typically includes commercial general liability insurance property insurance and other policies that are specific to your industry.

Motor Truck General Liability Insurance: Trucking general liability insurance covers legal defense fees, court costs, and settlements or judgments if a client sues you. It also covers accidents or damage that may happen at your company's place of business. You must be aware of its limits and ask your insurance agent about the possible need to add an umbrella coverage, depending on your type of operation and its risks.

Bobtail Insurance: Bobtail insurance covers your truck in the instance you are driving it without a trailer attached. This insurance is mostly for drivers under a lease agreement. Owner-operators under their own authority, find that bobtail is usually covered under the primary liability policy.

Physical Damage Insurance: Covers your trucks involved in a collision. Also if it faces theft or vandalism, this is the coverage that helps you replace the damage.

Trailer Interchange Insurance: If you don't own your trailer, you need trailer interchange insurance to cover physical damage to your truck.

Non-Trucking Liability Insurance: Your rig needs to be covered outside of strict business operations while you are not on dispatch.

Motor Truck Cargo Insurance: Cargo liability helps truckers cover the value of their cargo from damage, theft, and loss. It also covers debris removal, freight charges, and separate limits.

Commercial Truck Fleet Insurance: Fleet insurance covers your whole fleet, and it's usually a better value than insuring each unit individually.

Umbrella Insurance: If a lawsuit costs extends beyond your primary liability coverage, an umbrella policy protects your assets helping you cover the excess.

Workers' Compensation Insurance: If you have employees, you need Workers' Compensation. The laws vary depending on your state. The state of Florida requires  it for most businesses, depending on the amount of employees.

Refrigeration Breakdown: You also need legal liability protection for a loss caused by a breakdown on heating and refrigeration units.

Permanently Attached Equipment: Offers additional coverage for equipment.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 03:50 pm   |  Permalink   |  Email
Tuesday, December 29 2020
The Do's and Dont's of Choosing your Semi Truck Insurance Coverage

Orlando, Fla.—At the top of our list, you will find the importance of shopping around when it comes to choosing your new insurance company for semi trucks.

Some of the actions we must emphasize to take care of include:

  1. Do not hold on to your previous coverage—Shop the market for a new semi truck insurance company every few years. This will help you save yourself a considerable amount of money since most companies tend to increase at least a little bit of their premium year after year. In the process you may discover that your conditions may have changed a little bit too, and maybe it’s time to make a few adjustments to your current coverage

  1. Make sure to get all the coverage you need

At the very least, every semi truck insurance policy should cover:

  • Damage done to other vehicles
  • Damage done to your vehicle
  • Damage done to your cargo

You shouldn’t just take what is required by law. Make sure to be protected in case your truck or cargo is completely lost, leaving you the responsibility to respond for 100% of its replacement.

  1. Keep an open eye on the company’s service—If you provide service 24 hours a day, your insurance company must be able  to respond and offer claims services availability during the nights and weekends. Not all carriers do, so if this is your case this would be a good question to start with.

  1. Be wise, and compare offers from different carriers—For the same reason mentioned above in #3 you should do a broad search, rather than sticking to the first carrier your heard from. There are plenty of  commercial truck insurance companies out there, and as you may understand, some are more competitive than others. We want you to win— we want you to choose the one that best suits your business’ needs at the best price available in the market.

  1. It may not be wise to combine policies from multiple companies—Semi truck insurance companies give truckers discounts when they bundle their coverages which may equal any savings that you find by purchasing coverages from different carriers.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our insurance agents want to make every interaction a positive experience for our customers. As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

We have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 04:28 pm   |  Permalink   |  Email
Saturday, November 28 2020
What Happens When a Truck Driver is an Employee vs. a Contractor

Orlando, Fla.—There are state and federal laws that regulate the trucking industry. These laws come from the U.S. Department of Transportation (DOT) and the FMCSA, or Federal Motor Carrier Safety Administration. These laws also help to determine who is liable in a commercial truck accident. Every state has a Department of Transportation branch to enforce intra-state laws for commercial truckers. All professional truckers are expected to follow the standards and rules set by the industry. 

FMCSA is the lead federal government agency responsible for regulating and providing safety oversight of commercial motor vehicles (CMVs), to include more than 500,000 commercial trucking companies, more than 4,000 interstate bus companies, and more than four million commercial driver’s license (CDL) holders. FMCSA's mission is to reduce crashes, injuries, and fatalities involving large trucks and buses.

An accident that involves a large truck will usually experience more damage and injuries than if it were an accident between cars. If the driver was hired by the company as an employee, as opposed as a contractor the company needs to keep in hand clear evidence that the driver was subject to a background check that dismissed a possible criminal record, bad driving record, or drunk driving charges that would make him, or her, unqualified for the job. 

Some companies would rather use the services of contractors for the truck driving part of their business, and that way they minimize their exposure to liability in case of an accident. However, these contractors must comply with their own legal requirements to perform that kind of work, including a thorough insurance coverage to respond in the event of any claims. General contractors, local contractors, and subcontractors are commonly required to carry commercial truck insurance by the various laws and businesses they work for.

At Orlando Truck Insurance we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations.The below is a sample list of some of the commercial trucks that we can insure:

Box trucks

Dump trucks

Flatbed trucks

Front loaders

Garbage trucks

Pickup trucks with standard or commercial beds

Cement and pump trucks

Refrigerated box trucks

Roll-on vehicles

Semi trucks

Stake body trucks

Straight trucks

Tank trucks

Tow trucks

Tractors

Vocational trucks

Tractor Trailers We Insure

We may also be able to offer commercial truck insurance for the following tractor trailers:

Auto hauler trailers

Bottom dump trailers

Bulk commodity trailers

Concession trailers

Dry freight trailers

Dump body trailers

Flatbed trailers

Gooseneck trailers

Horse trailers

Livestock trailers

Logging trailers

Lowboy trailers

Pole trailers

Refrigerated trailers

Tank trailers

Tilt trailers

Transfer boxes

Utility trailers

As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 03:28 pm   |  Permalink   |  Email
Wednesday, October 21 2020
Semi Trucks Good for Traffic Enforcement?
Photo courtesy of the Florida Department of Highway Safety  and Motor Vehicles.

Orlando, Fla.— Did you know the Florida Highway Patrol has been using marked semi trucks in enforcement activities since 2014, and it isn’t the only state doing so? For many years the Tennessee State Patrol has used their own version as an education tool and in traffic enforcement efforts.

According to officials, FHP’s Office of Commercial Vehicle Enforcement (CVE) has 3 marked semi-trucks. The semi-trucks are used in various capacities, including traffic enforcement details. The semi-truck driver will observe a violation and radio to CVE Troopers that are working on the detail. The CVE Trooper will stop the vehicle and take the appropriate enforcement action which may include a vehicle inspection. These semi-trucks are properly equipped to initiate a traffic stop; however, they are used primarily for spotting. The semi-trucks are also used to pull our “No-Zone” demonstration trailer used for local outreach and driver education to promote safe driving around commercial motor vehicles.

As reported by the media, specifically News 6, the traffic expert Trooper Steve Montiero confirmed that a big rig with police lights is pulling over drivers in Florida. The big rig has Florida Highway Patrol markings and red and blue lights throughout the vehicle.

Montiero stated that it takes a specialized trooper to enforce certain laws that normal law enforcement officers cannot, and this semi truck is just one of the tools they have to enforce aggressive driving and noncompliance on our highways for the safety of everyone on the road.

The Florida Highway Patrol’s Office of Commercial Vehicle Enforcement is committed to educating CMV drivers on the dangers of driving distracted and other dangerous driving behaviors.

FHP and law enforcement officers statewide remind motorist "If you're texting, you're not driving."

Another way to keep everyone protected is having your truck of fleet properly insured. At Orlando Truck Insurance we can provide you with affordable commercial vehicle coverage for most truck and tractor trailer combinations.

Whether you are an Orlando independent owner-operator or your company owns a fleet of 18 Wheeler trucks, these trucks are the lifeblood of your company. Without them you cannot transport goods, fulfill contracts, and most importantly you can't earn any income nor create much needed jobs.

Orlando Truck Insurance offers Truck Insurance for the following operations: Agricultural Haulers, Auto Haulers, Bulk Hoppers, Dry Vans, Dirt/Sand/Gravel, Flat Bed, Grain Haulers, Heavy Haulers, Hazmat, Hotshot. Intermodal, Livestock / Cattle, Loggers, LTL, Milk Haulers, Oilfield, Refrigerated Goods, Steel Haulers, Tankers, Towing, Local, Long-haul, and Intermediate.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085
Posted by: AT 12:26 pm   |  Permalink   |  Email
Wednesday, September 23 2020
Is Covid-19 Leading to Better Pay for Big Rig Drivers?

Orlando, Fla.—As we know, commercial big rig drivers in all states, including those in Florida, have faced increased health risks as they can’t avoid contact with cargo. We all have thanked our truckers for their outstanding job during a time that no-one was prepared or wished for, with so much uncertainty with COVID-19. Truck drivers have raised to the occasion making sure our people’s necessities are well supplied when they need them, and where they need them.

Although many businesses in Florida have been been following the guidelines provided by the CDC, and have taken precautions to prevent contamination since March of this year 2020 we still not yet have seen the light at the end of the tunnel. Most of those businesses have had to to cancel several events, which may sadly contribute to a slowdown in the freight industry.

Florida is America’s eighth-biggest exporter after Texas, California, New York and Washington. Our state’s exports equals 3.3% of United States’ overall exported products in 2018, totaling around $52 billion.  Right now, our freight industry is stalling due to quarantines, reduced travel and skeleton receiving crews.

The good news after all this crisis is that when we are finally out the woods, many fleet managers and logistics firms will be looking for more drivers, and the owner operators may be able to set a higher price per load to move all that freight as fast as possible, as a way to recover any loss of business during this entire crisis.

According to the American Truckings Associations, there are more than three million truckers in the United States, and about 1.8 million of them are classified by the U.S. Bureau of Labor Statistics as operators of heavy trucks or tractor-trailers. There is no need to say as we approach the Holiday Season, that this is the time of the year when merchants, stores, supermarkets and everyone in the distribution and supply chain depends most on the reliability of trucking services.

Regardless of whether your company 18 Wheelers drive across country or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets. The term semi truck insurance is often called owner-operator truck insurance. It consists of a combination of policies for commercial truck drivers to cover their legal liabilities in different situations, such as hauling cargo or non-business driving. At Orlando Truck Insurance we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations. We also have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Oscar Pacheco - Licensed Agent

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Posted by: AT 07:17 pm   |  Permalink   |  Email
Monday, August 17 2020
The September International Roadcheck

Orlando, Fla.—The International Roadcheck is a three-day high-volume, high-visibility inspection when certified inspectors in North America conduct commercial motor vehicle and driver inspections at weigh or inspection stations, at designated fixed locations or as part of roving mobile patrols. With an original date scheduled for May 5-7, the Commercial Vehicle Safety Alliance (CVSA) decided to postpone the 2020 International Roadcheck due to the spread of COVID-19 throughout the United States. The 72-hour event is now scheduled for Sept. 9-11 and as a responsible truck driver or transportation company, you are expected to be ready.

For the safety of employees as well as all participants a Trucking Industry’s Guide to Infectious Substances and COVID-19 is expected to be followed, meaning:

  • Social distancing or physical distancing, always keeping six-foot minimum distance when conditions allow.
  • Use universal precautions to protect yourself.
  • Use protective equipment you’ve been issued.
  • Do not attempt to do anything beyond your level of training.
  • You should decontaminate yourself and your equipment daily.
  • Use the methods identified for communication between the driver and inspector to minimize contact

Last year the CVSA conducted 3.36 million inspections and over 950K driver violations were discovered. According to the Federal Motor Carrier Safety Administration close to 200K took place while out-of-service.

In July, the commercial Vehicle Safety Alliance conducted Operation Safe Driver which focused on more common driver caused dangers such as speeding, distractions, seatbelt use, reckless driving, drunk or drugged, etc. During the International Roadcheck in September, drivers will also be checked for seatbelt usage, illness, fatigue, apparent alcohol or drug possession or impairment. It is important to know that any driver operating without the proper driver credentials, in possession of or under the influence of drugs or alcohol, operating while ill, fatigued or showing other signs of impairment, or in violation of hours-of-service rules may be placed out of service.

Regarding you vehicle inspection if an inspector deems it in violations during an inspection, it will be rendered out of service, until those violations are corrected. For that reason you need to be prepared to prove all systems work properly such as:

  • Brake systems
  • Cargo securement
  • Coupling devices
  • Driveline/driveshaft components
  • Driver’s seat (missing)
  • Exhaust systems
  • Frames
  • Fuel systems
  • Lighting devices
  • Steering mechanisms
  • Suspensions
  • Tires
  • Van and open-top trailer bodies
  • Wheels, rims and hubs
  • Windshield wipers

Brake-related violations comprise the largest percentage of all out-of-service violations cited during roadside inspections. Improperly installed or poorly maintained brake systems can reduce the braking capacity and stopping distance of trucks and buses, which poses a serious risk to driver and public safety.

Now in August, Brake Safety Week is scheduled for the 23-29 of the month. During this safety campaing, CMV inspectors will conduct brake system inspections (primarily Level IV Inspections) on large trucks and buses throughout North America to identify out-of-adjustment brakes and brake-system violations. The week is an annual outreach and enforcement campaign designed to improve commercial vehicle brake safety throughout North America.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Mariana Zorrilla

Principal Agent

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Posted by: AT 10:20 am   |  Permalink   |  Email
Monday, July 20 2020
The lack of safe parking for trucks remains a problem

Orlando, Fla.—Truck parking is a capacity, geographic, and even political problem in Florida. We all know that truck spaces at rest areas including the 17 at the congested rest stop on eastbound I-4 about two miles north of State Road 434 — fill up fast. For a long time, this has been an issue for truck drivers who are forced to park in places that are either illegal or unsafe. Truck drivers are required to stop to rest after ten hours of driving. Non compliance with the mandatory rest stops not only implies a violation, but it also represents a safety hazard for truck drivers and other drivers on the road.

The inability to find parking hurts drivers and carriers financially. According to the American Transportation Research Institute, truck drivers spend an average of one hour searching for parking every day. The lost time equates to $4,600 in lost wages per year, based on the hour lost to nonproductive trips. It also depresses fleet productivity, taking the driver out of action when he or she could be pushing ahead to the next location. 

The American Trucking Association reports nearly half of all truck drivers have had to park on the shoulders of highways or in other unauthorized locations due to lack of available spaces. The cost of looking for parking amounts to an average of $5,500 in lost wages annually, according to ATA.

As an essential service during a time of the COVID-19 pandemic, the truck parking issue needs to be ranked higher in our legislative priorities.

The Truck Parking Safety Improvement Act is a bill that seeks highway safety by addressing a long-standing shortage of truck parking nationwide, which increases the risk of driver fatigue. It is expected to establish a source of funding from existing U.S. Department of Transportation funding, to create more parking spots.

The bill was introduced on the 11th anniversary of the death of Jason Rivenburg, a trucker from Fultonham, N.Y. Rivenburg was murdered during a robbery while parked in an abandoned gas station in South Carolina. The incident sparked a nationwide outcry and led to the creation of Jason’s Law, which attempted to address the truck parking crisis in 2012 by directing the U.S. Department of Transportation to conduct a nationwide parking survey. Though the bill was proposed back in March 2020, it seems to be gaining bipartisan support.

Leaders from the industry commended the legislation. American Trucking Association’s President, Chris Spear, said “opportunities to rest safely are important to truckers, who move more than 70% of the nation’s goods.” The Owner-Operator Independent Drivers Association worked closely with members of the House Transportation and Infrastructure Committee to develop meaningful truck parking legislation that would garner support throughout the industry. The Truck Parking Safety Improvement Act is requesting $125 million for 2021, $140 million in 2022, $150 million in 2023, $165 million in 2024 and a total of $175 million in 2025.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 03:04 pm   |  Permalink   |  Email
Tuesday, June 23 2020
Changes in Commercial Insurance for Truck Companies

Orlando, Fla.— Commercial Insurance for Truck Companies may be facing more changes ahead. An amendment to a bill circulating in Congress would more than double the required minimum amount of insurance for commercial motor vehicles.

The amendment to the INVEST Act was passed by a House committee on Wednesday, June 17. The measure was lauded by the Institute for Safer Trucking, which noted that the required minimum has not been raised since the 1980s hopping the amendment will help families who have survived truck crashes and help make the trucking industry safer. This amendment is part of a larger bill that  passed the House, and would still need to pass the Senate before it goes into effect. The legislation is dubbed the Investing in a New Vision for the Environment and Surface Transportation in America (INVEST in America) Act and is a proposed infrastructure bill that would invest $500 billion into the nation’s highways and transportation systems over the next five years.

The amendment has come under fire from members of the trucking industry who believe that it could force smaller carriers and owner-operators to shut down because of costs.

According to data from the American Trucking Research Institute, insurance premium costs per mile have increased more than 17 percent since 2013. Between 2017 and 2018 alone, they rose 12 percent. In 2018, they were about $0.8 per mile.

The industry group also noted that increasing litigation contributed to a rise in rates – with truck-involved crashes “generating dramatic increases in both the number of civil litigation case filings as well as increases in jury awards and out-of-court settlements.”

According to the Federal Motor Carrier Safety Administration, they all have experienced dramatic changes in the insurance industry over the past several years. Many accidents involving trucks are not the fault of truck drivers and they are creating a permanent pilot program that will not count a crash that was not the fault of the motor carrier at the time of calculating their safety measurement profile. They recognize this correction was long overdue.

Truck safety policies cover many issues, ranging from physical and property damage, liability, fines and penalties, insurance premiums, qualification for bypass programs, and even the ability to legally continue operations as a motor carrier.

At times like these, it is now more important than ever to have an ally in your insurance broker to help you find viable solutions for your business. At Orlando Truck Insurance, our local specialists understand the challenges the industry is facing and work hard every day to provide more options, from more carriers capable of bringing the right coverage at the best possible price in the market.

We have the staff, the local experience and the customer service platform to help you walk through these difficult times. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Oscar Pacheco - Licensed Agent

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Posted by: AT 07:21 pm   |  Permalink   |  Email
Saturday, May 16 2020
14 hour Working Day for Short-Haul Drivers

Orlando, Fla.—The Federal Motor Carrier Safety Administration (FMCSA) just extended the maximum working day for short-haul drivers, and the extension was also applied to more drivers since the short-haul driving concept was also redefined. Truckers have played a key role in getting America through the COVID-19 public health emergency. Since the beginning of the national health crisis, the FMCSA has provided regulatory relief to commercial drivers to get critically important medical supplies, food, and household goods to Americans in need. The nation’s truck drivers have been on the front lines of this effort and are vital to America’s supply chain

“America’s truckers are doing a heroic job keeping our supply chains open during this unprecedented time and these rules will provide them greater flexibility to keep America moving,” said U.S. Transportation Secretary Elaine L. Chao.

Although the concept of expanding hours have been at the top of all industry discussions, and is considered somehow controversial, based on the detailed public comments and input from the American people, FMCSA’s final rule on hours of service offers four key revisions to the existing HOS rules:

  1. The Agency will increase safety and flexibility for the 30-minute break rule by requiring a break after 8 hours of consecutive driving and allowing the break to be satisfied by a driver using on-duty, not driving status, rather than off-duty status.

  1. The Agency will modify the sleeper-berth exception to allow drivers to split their required 10 hours off duty into two periods: an 8/2 split, or a 7/3 split—with neither period counting against the driver’s 14‑hour driving window.

  1. The Agency will modify the adverse driving conditions exception by extending by two hours the maximum window during which driving is permitted.

  1. The Agency will change the short-haul exception available to certain commercial drivers by lengthening the drivers’ maximum on‑duty period from 12 to 14 hours and extending the distance limit within which the driver may operate from 100 air miles to 150 air miles.

The new hours of service rule will have an implementation date of 120 days after publication in the Federal Register. 

These changes are expected to not only lengthen the on-duty day for short-haul drivers, it will more than double the square miles that they can cover, up to 150 miles from their home base, according to the agency.

According to FMCSA, the final rule is crafted to improve safety on the nation’s roadways. The rule changes do not increase driving time, except for short-haul drivers, and will continue to prevent CMV operators from driving for more than eight consecutive hours without at least a 30-minute break.

The agency said these changes will save trucking companies more than $2.8 billion over 10 years, will let drivers make more deliveries, and won't compromise safety. FMCSA’s rule modernizing hours of service regulations is estimated to provide nearly $274 million in annualized cost savings for the U.S. economy and American consumers. The trucking industry is a key component of the national economy, employing more than seven million people and moving 70 percent of the nation’s domestic freight.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through these difficult times. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Hector Perez, Producer

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Call 407-203-7085

Posted by: AT 04:09 pm   |  Permalink   |  Email
Saturday, May 02 2020
The 18 Wheel Miracles

Orlando, Fla.—Yes, we all have thanked our truckers for their outstanding job during a time that no-one wished for, with so much uncertainty with COVID-19, and truck drivers as always have raised to the occasion making sure our people’s necessities are well supplied when they need them, and where they need them.

But as much as we would like to think, this is a truck driver’s normal, they also have a personal toll to pay in these abnormal circumstances.

According to a recent survey from cdlife.com truck drives observed uncertainty and concern themselves in the midst of fast changing safety protocols which included restricted access to some states and different areas. The survey revealed that during the month of March their focus was more on sanitation procedures and planning, April was the time when morale and pay were at the top of their minds. Many drivers did not feel that they were being adequately compensated for the risks that they were taking during the pandemic. Others considered a relief from truck payments or tuition payments to trucking schools would serve as motivation.

Despite a robust workforce, there has been a bit of a shortage for the past couple of years. That, coupled with the need for more trucks on road as measures of shelter-in-place continue in the U.S., is making the demand for new drivers to rise to its highest level.

Just like the case of healthcare workers, for truck drivers, picking up or delivering to virus hotspots, increases their risk of contracting the infectious disease and bring it home to their families. However, pride of doing what needs to be done to keep this country in good health and up-and-running was paramount for many of them, understating the benefit for the big picture.

Another concern they didn’t see coming was the challenging situation of finding places to eat and drink, given the fact that most restaurants across the country were forced to close their dine-in areas. They found themselves sentenced to being alone on the road as America fights COVID-19, but truckers are already familiar with the type of self-isolation we all are now facing— being confined to small spaces, disconnected from family and friends, unsure what the days ahead will bring. Loneliness is part of the job, even as the world passes by.

According to the American Truckings Associations, there are more than three million truckers in the United States, and about 1.8 million of them are classified by the U.S. Bureau of Labor Statistics as operators of heavy trucks or tractor-trailers.

Truckers are the backbone of the country’s supply chain, traversing our nation’s highways and byways to deliver goods like food, fuel and other vital supplies. And while daily life has slowed to crawl, this workforce keeps delivering the goods and ensuring that that the public’s vital needs are met.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through these difficult times. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Hector Perez, Producer

Email Hector

Call 407-203-7085

Posted by: AT 10:04 am   |  Permalink   |  Email
Wednesday, April 01 2020
Stay-at-Home Statewide

Orlando, Florida—The new stay-at-home order issued by Governor Ron DeSantis is a statewide mandate. Florida now joins more than 30 states that are under a "stay-at-home" order. It will take effect Thursday at midnight and last 30 days.

What does that mean for truck drivers?

It all begins with defining essential operations and activities. The executive order goes by the Department of Homeland Security’s guidance on essential workers. 

According to the Department of Homeland Security, functioning critical infrastructure is imperative during the response to the COVID-19 emergency for both public health and safety as well as community well-being. Certain critical infrastructure industries have a special responsibility in these times to continue operations.

Regarding transportation:

  • Employees supporting or enabling transportation functions, including truck drivers, bus drivers, dispatchers, maintenance and repair technicians, warehouse workers, truck stop and rest area workers, Department of Motor Vehicle (DMV) employees, towing/recovery services, roadside assistance workers, intermodal transportation personnel, and workers who maintain and inspect infrastructure (including those that require cross-jurisdiction travel).
  • Workers supporting the distribution of food, pharmaceuticals (including materials used in radioactive drugs) and other medical materials, fuels, chemicals needed for water or water treatment and energy   Maintenance and operation of essential highway infrastructure, including roads, bridges, and tunnels (e.g., traffic operations centers and moveable bridge operators).
  • Employees of firms providing services, supplies, and equipment that enable warehouse and operations, including cooling, storing, packaging, and distributing products for wholesale or retail sale or use. Includes cold- and frozen-chain logistics for food and critical biologic products.
  • Workers including truck drivers, railroad employees and contractors, maintenance crew, and cleaners supporting transportation of chemicals, hazardous, medical, and waste materials to support critical infrastructure, capabilities, functions, and services, including specialized carriers, crane and rigging industry workers.

On commercial facilities logistics:

  • Workers who support the supply chain of building materials from production through application/installation, including cabinetry, fixtures, doors, cement, hardware, plumbing, electrical, heating/cooling, refrigeration, appliances, paint/coatings, and employees who provide services that enable repair materials and equipment for essential functions.
  • Workers supporting e-commerce through distribution, warehouse, call center facilities, and other essential operational support functions.
  • Workers in hardware and building materials stores, consumer electronics, technology and appliances retail, and related merchant wholesalers and distributors - with reduced staff to ensure continued operations.
  • Workers distributing, servicing, repairing, installing residential and commercial HVAC systems, boilers, furnaces and other heating, cooling, refrigeration, and ventilation equipment.

As we know, the coronavirus pandemic has led to unprecedented hoarding that has created havoc in the supply chain. Truck drivers, many who are not paid by the hour, are working under suspended hours of service regulations to replenish store shelves. We all have a role to play to help our country get through the coronavirus crisis. We must help the truck drivers stay healthy as they travel state to state replenishing store shelves for all of us.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through these difficult times. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Hector Perez, Producer

Email Hector
Call 407-203-7085


 

Posted by: AT 08:53 pm   |  Permalink   |  Email
Thursday, March 05 2020
Keeping Truckers Happy

Orlando, Florida—Truckers continue to be an asset of incalculable value to the U.S. economy, but  the driver shortage reaches its highest level ever. To meet the nation’s freight demand, the recently released  ATA report said that in order to meet the nation’s freight demand, the trucking industry will need to hire 1.1 million new drivers over the next decade – an average of 110,000 per year to replace retiring drivers and keep up with growth in the economy.

Competition for truck drivers from the oil industry and Amazon and other delivery companies is also cutting into the available driver pool. There is less rail movement, and more truck demand.

Drivers are getting older than the general population, and wages have not kept up with the general population. It is no secret that the trucking industry must find ways to attract more and younger drivers, removing barriers for younger drivers to begin careers as drivers, attracting more demographic diversity into the industry or easing the transition for veterans, are among the top-priority list to do more to recruit and retain drivers.

More Incentives

Increased pay to keep pace with demand, addressing lifestyle factors like getting drivers more time at home and improving conditions on the job like reducing wait times at shipper facilities.

Many fleets instituted guaranteed minimum weekly pay in 2018 so drivers would have a more consistent paycheck. Sign-on bonuses and good benefits packages have also been used throughout the industry as competition for drivers heats up. ATA expects that driver pay will continue rising as long as the driver shortage continues.

And you may say, what about the driverless trucks solution? The adoption of that kind of technology advancement will mostly depend on how soon we automate automobiles. We won’t have driverless trucks until all of our autos are driverless on our highways. The full adoption process may take a long while.

Insurance rates are also going up, and this his can be a problem for companies that require truckers to have a high liability insurance coverage. At Orlando Truck Insurance, we help businesses like yours find the right solutions making sure you get the right coverage, that means, not overinsured or underinsured— and we also assist you finding all the options available in the state of Florida, so you can get  free quotes from different carriers, compare and choose the one that is right for you. Regardless of whether your company’s 18 Wheelers drive across the country, or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets. 

Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers.

If you own or are considering to start a business in the transportation industry, or become a driver, Orlando Truck Insurance offers flexible commercial auto insurance that grows with your business. From one truck to a fleet, we have a policy that will meet your industry’s insurance needs. Contact us for an orientation (407) 206-7085!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 12:28 pm   |  Permalink   |  Email
Wednesday, February 12 2020
Federal Trucking Regulatory Changes

Orlando, Florida—With the arrival of a new year, aside from the worries of possible inclement weather conditions that normally affect us during the winter season.

When it comes to regulatory topics in the trucking industry, two items had final rules issued during the last quarter of 2019: The drug and alcohol clearinghouse, and training for entry-level drivers.

Drug and Alcohol Clearinghouse - implementation of the rule began January 6, 2020.

All parties involved in the drug and alcohol testing process for CDL holders will be required to register, including motor carriers (employers), consortiums/TPAs, service agents, medical review officers/substance abuse professionals, and drivers – at least most of them over time. Not every driver will have to register (those who are long-time employees and who have never failed a drug/alcohol test probably won’t be required to register.)

Having said that, after January 6th of this year, all carriers will conduct a limited query first, which only tells them if there is a record in the database on that driver. If the query comes back ‘yes, there’s info,’ then a full query is required, and you’ll have three business days to report violations, including refusals to be tested.

Driver consent is required prior to a query.

ENTRY-LEVEL DRIVER TRAINING

A rule to set national minimum-training standards for entry-level applicants seeking to obtain a commercial driver’s license or certain endorsements in effect after Feb. 7, 2020.

The key elements of the final rule are as follows:

Applicants seeking a commercial driver’s license will have to demonstrate proficiency in “theory” (classroom) training and in behind-the-wheel training given on a “driving range” and on a public road.

There are no required minimum number of hours for the knowledge or behind-the-wheel portions of any of the individual training curricula. However, training providers must determine that each CDL applicant demonstrates proficiency in all required elements of the training.

The prescribed program of theory and behind-the-wheel training must be provided by an entity listed on FMCSA’s Training Provider Registry, which must meet qualification standards for their instructional programs as set forth in the rule.

Who is affected?

First-time CDL applicants, both Class A and Class B

Current CDL holders seeking a license upgrade, such as a Class B holder seeking a Class A, or seeking for the first time to secure an additional endorsement to transport hazardous materials, or to operate a motor coach or school bus.

This rule also requires CDL training providers to register with the FMCSA’s training provider registry (TPR). Training providers registered must deliver FMCSA’s required curriculum. One of the possible impacts of this rule could include raising the “entry bar” for new drivers, which could affect the supply of drivers. The training is likely to be more expensive as well.

At Orlando Truck Insurance, we specialize in trucks and commercial vehicles insurance coverage in Orlando and surrounding areas in Central Florida. If you have questions about how how to best protect your investment in the trucking business, or any other commercial insurance aspects, please do not hesitate to visit us online at Orlando Truck Insurance, or you may also call us directly at (407) 203-7085.

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 01:47 pm   |  Permalink   |  Email
Wednesday, December 11 2019
Holidays vs. the Weather

Orlando, Fla.—It is no secret that the Holiday Season is the time of the year when merchants, stores, supermarkets and everyone in the distribution and supply chain depends most on the reliability of trucking services.

We also make an emphasis on saving lives as the #1 priority when you need to be on the road during risky or dangerous winter weather conditions.

Following a few safety tips may help you cope with these unexpected situations, and in many cases, prevent them.

First things first -Slow down 

At fault accidents are mostly due to excessive speed. Driving at the speed limit could sometimes be too fast for snow covered or icy road conditions. Take your time to drive safely. Speeding takes lives. 

Keep a safe buffer zone around your truck 

Leave plenty of room between your vehicle and the vehicle in front of your truck, and beside your truck, when possible.

Avoid traveling as a pack

Find a safe way to get away from the pack and travel alone maximizing the distance between your truck, and all other vehicles surrounding you. If the leader of the pack makes an error, you will too. Trucks can leave the road, and yours could follow the lead vehicle off the road.

Low visibility

When the snow is heavy visibility is low. If you are able to see the tail lights of the vehicle in front of you, most likely, you are too close.

A nervous truck driver can be just as dangerous as a careless driver 

When you are too concerned about the weather conditions it is better  to stop and park for a while. Have your delivery appointment rescheduled. Remember this is a matter of saving lives first.

Your truck’s warm tires can turn that snow you parked on into a patch of ice in a short time. Throwing kitty litter under your tires is a good and environmentally safe way to get that little bit of extra traction needed.

Defrosting your windshield to clean it 

Turn your defroster on high for a minute to help warm the glass. Now, the fluid can freeze on your window, but a possible solution is to put a few ounces of brake line antifreeze into the washer fluid to help prevent this.

The importance of your tail-lights

Every time you stop after driving in snow, look at your taillights and license plate and keep them clean. Also, clear the lights off of snow and ice, which builds up in foul weather. LED lights accumulate lots of snow and crud. It is important to keep everything clean to make sure others can see you.

Don’t stop on the shoulder of the road 

When driving in y ‘blinding snow’, other vehicles won’t be able to identify your exact position and may slam into the back of your rig.

Braking 

Avoid overusing your foot brake, unless the entire unit is absolutely ‘straight’ on the road. When you over brake when the entire unit isn’t straight the trailer can slide and spin you out of your position. Remember, the truck slows down, and the trailer does not. This is especially true, when the trailer is empty.

Use your checklist 

Before you leave, make sure  that the defroster and heater are working properly, as you would in any normal trip, but especially when driving in winter conditions. Check wipers, wiper motor, lights, esp. brake and tail lights. Be sure washer fluid is topped up, drain moisture from the air tanks, all brakes are set up. Be certain windows and mirrors are completely clean before departure.

Never leave without topped up fuel tanks

The  extra weight over the drive tires provides much needed traction. Good quality lug tires, with the proper tire pressure, are essential for good traction for the best safe winter driving.

Insurance

Make sure to review and have a clear understanding of your insurance coverage before you leave, in case any issues arise on your trip that you may need it.

If you have questions about insurance coverage or need a free quote,  please contact us at Orlando Truck Insurance (407) 203-7085.

Hector Perez, Producer
Email Hector
Call 407-203-7085
Posted by: AT 07:47 pm   |  Permalink   |  Email
 

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Insurance is offered by Garzor Insurance and/or its affiliates, with their principal place of business at 4369 Hunters Park Lane, Orlando Fl 32837. This website provides a simplified description of Insurance Products. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.

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