Our nation depends on truck drivers to deliver goods and services efficiently. Yet, due to the hazardous work environment, truck drivers are often rated-up for life insurance policies.
Truck driving is one of many occupations that are known to have an adverse effect on mortality, and insurance companies must impose an extra charge on applicants engaged in such occupations.
The higher the mortality rate associated with these occupations may be attributed to a greater than normal accident hazard, unhealthful working conditions, or “socioeconomic” hazards.
According to the Swiss Re Guide, truck driving could be a hazardous occupation if it fell into the following three categories:
- Arms, Munitions and Fireworks
- Motor Sports Racing
- Stunt Driving
With the arms, munitions and fireworks category, a standard rate with a flat extra of $2.50 per thousands could be considered the best rate class.
A standard rate with a flat extra of $5.00 per thousand would be the considered the best rate class for both the motor sports racing and stunt driving category.
Roadside accidents involving large trucks continue to take a toll on truck drivers, their passengers, other road users, business and the community. Overall, 317,000 motor vehicle crashed involving large trucks were reported to police in 2012, according to the latest Vital Signs report by the Centers for Disease Control and Prevention (CDC).
The estimated cost of truck and bus crashes to the United States economy was $99 billion that same year.
Approximately 700 drivers of large trucks or their passengers died in crashed in 2012, and an estimated 26,000 were injured. About 65 percent of on-the-job deaths of truck drivers in 2012 were the result of a motor vehicle crash. More than a third of the drivers were not wearing a seat belt.
“We know that using a seat belt is the single most effective intervention to prevent injury or death in a motor vehicle crash. However, in 2012 more than 1 in 3 truck drivers who died in crashed were not buckled up, a simple step which could have prevented up to 40 percent of those deaths,” said CDC Principal Deputy Director Ileana Arias, Ph.D. “Employers and government agencies at all levels can help improve truck driver safety and increase seat belt use among truck drivers by having strong company safety programs and enforcing state and federal laws.”
This Vital Signs report includes data from the National Survey of US Long-Haul Truck Driver Health and Injury, conducted by CDC at 32 truck stops along interstate highways across the United States in 2010.
Key findings from the survey include:
- An estimated 14 percent long-haul truck drivers reported not using a seat belt on every trip
- Over one-third of long-haul truck drivers had been involved in one or more serious crashed during their driving careers
- Long-haul truck drivers who reported not wearing seat belts also tended to engage in other unsafe driving behaviors such as speeding and committing moving violations. They were also more likely to work for an employer that did not have a written workplace safety program
- Long-haul truck drivers who lived in a state with a primary seat belt law – the law that allows police to stop motorists solely for being unbelted 0r were more likely to report often using a seat belt
“Using a seat-belt is the most effective way to prevent injury or death in the event of a crash,” said Stephanie Pratt, PhD, coordinator of the National Institute for Occupational Safety and Health (NIOSH) Center for Motor Vehicle Safety. “The smartest strategy for overall safety is to prevent truck crashes from happening in the first place.”
What can be done to reduce the risk of motor vehicle crashes, injuries and deaths among truck drivers?
- States can help increase seat belt use by truck drivers through highly-visibility enforcement of seat belt laws by state troopers and motor carrier safety inspectors
- Employers can establish and enforce company safety policies, including belt-use requirements for truck drivers and passengers as well as bans on text-messages and use of handheld phones
- Employers can educate truck drivers about ways to avoid distracted and drowsy driving
- Engineering and design changes that provide increased comfort and range of motion and allow adjustments for diverse buy types might increase use of seat belts by truck drivers