Importance of Keeping Your Commercial Auto Driver List Updated With Your Agent

One of the primary reasons to keep your driver list up-to-date with your agent is to ensure appropriate coverage. Commercial auto insurance policies are designed to cover only those drivers listed on the policy. Coverage may be denied or limited if a driver is not on the list and is in an accident. Regularly updating your driver list to account for personnel changes ensures that all individuals operating your vehicles are covered under your policy.

Several vital reasons highlight the importance of keeping your driver list updated:

• New hires—When you hire new employees who will be driving company vehicles, it’s crucial to add them to your policy. This ensures they are covered from the start and prevents coverage gaps.
• Changes in roles—If a driver’s responsibilities change, such as taking on more driving duties or driving different types of vehicles, it can affect their risk profile. Updating your list helps ensure that your coverage reflects these changes appropriately.
• Employee departures—When employees leave your company, removing them from your insurance policy is necessary to avoid unnecessary coverage and reduce the risk of complications if claims involve former employees.
• Premium accuracy—Insurance premiums are often based on the number and risk profile of covered drivers. Keeping your list updated lets your insurer calculate premiums accurately, ensuring you are not overpaying or underpaying for coverage.

Best Practices for Managing Your Commercial Auto Driver List

To keep your commercial auto insurance effective and compliant, consider the following best practices:

• Conduct regular reviews. Periodically review your list of covered drivers to ensure it accurately reflects your current team. This helps catch any discrepancies and ensures your coverage remains relevant.
• Notify your agent promptly. Inform your insurance agent of any changes in driver status as soon as they occur, including new hires, role adjustments and departures.
• Keep detailed records. Maintain thorough documentation of all driver updates and changes. This information is valuable for resolving disputes and ensuring your policy remains accurate.

Contact Us

Contact Plemons Insurance Agency for a commercial auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.