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How DOT Inspections Are Used for Insurance Underwriting

Why Are DOT Inspections and Compliance So Crucial for Insurance Underwriting?
There is a great deal of industry and insurance data available to support a strong correlation between safety scores and crash events. In fact, underwriters put as much evaluation weight on safety scores as they do on drivers and loss histories.

Strategies for DOT Compliance
Following are several strategies to implement to help with DOT inspections and safety scores:

Communicate with drivers about the impact of safety scores on your operation
Reward drivers for passed inspections (an annual safety bonus, a gift card, and recognition)
Discipline drivers for failed inspections
Check the Safety Measurement System (SMS) website periodically to review your score
Analyze inspections to determine where the majority of issues arise and address them
Ensure MCS-150 is filed as required and accurately reflects your account
Hire right – view your drivers’ prior inspection history
Challenge incorrect inspection results – DATAQc