Defensive Driving

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School of Risk Control Excellence
Before You Drive; Defensive
Driving
Mark Lederer and Jay Karamonol, CNA Insurance
Before You Drive Away; Defensive Driving
Agenda
•Why should you improve your driving skills
•Supporting statistics, SPLASH loss summary
•Negligent entrustment
•Direct and indirect costs
•Are you a defensive driver?
•Seatbelts
•The driving equation
•Defensive driving principles
•Following and stopping distances
•Distracted driving
•Animal strikes
•Vehicle inspection
•Load securement
•What to do in the event of an accident?
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
2
Before You Drive Away; Defensive Driving
Why should you improve your driving skills?
•In 2006 over 2,400,000 people received disabling injuries in
traffic collision. At least 40,000 of these people died.
•Over 70% of all collisions are caused by driver error - in other
words, by poor driving skills.
•Costs of death, injury, and property damage due to collision
exceeds $170 billion per year.
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
3
Before You Drive Away; Defensive Driving
Are these statistics acceptable?
•Because statistics are not personal, most people do not think
about collisions until they or someone they know are involved.
•In your lifetime, you have a one in three chance of being
involved in a fatal collision.
•You can make a difference…
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
4
Before You Drive Away; Defensive Driving
Who cares?
•The largest amount of work related fatalities occur from vehicle/
traffic related incidents? T/F
•$1,051 per person/ per year (CNN/ AAA)
•$164,000,000,000 annual total (CNN/ AAA)
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
5
Before You Drive Away; Defensive Driving
Average cost of worker injuries 2003-2004
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
6
Before You Drive Away; Defensive Driving
SPLASH Loss Summary
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
7
Before You Drive Away; Defensive Driving
Negligent Entrustment T/F
•As an employer, you have a legal responsibility to know if a person
has something in their driving background that creates a risk or harm
to others.
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
8
Before You Drive Away; Defensive Driving
Negligent Entrustment Defined…
•“Negligent entrustment is a cause of action in tort law that arises where one
party (the entrustor) is held liable for negligence because they negligently
provided another party (the entrustee) with a dangerous instrumentality, and
the entrusted party caused injury to a third party with that instrumentality. The
cause of action most frequently arises where one person allows another to
drive their automobile.” (Wikipedia)
•“A company knew, or should have known, that it put an unsafe driver behind
the wheel of a company vehicle.”
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
9
Before You Drive Away; Defensive Driving
Negligent Entrustment; Typically necessary for proof
1) The owner company entrusted the vehicle to the driver or
knew the person was driving on behalf of the company.
2) The driver was unlicensed, incompetent, or reckless.
3) The owner company knew or should have known that the
driver was unlicensed, incompetent, or reckless.
4) The driver was negligent in the operation of the vehicle.
5) The driver’s negligence resulted in damages.
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
10
Before You Drive Away; Defensive Driving
Who cares (owners/ managers)?
•“Dealing with employees at the roulette wheel…”
•2004 case: Brooks vs. Hancock
• $2.75 million
•2008 case: Harris, TX
• $3.5 million
•2000 case: Worcester, MA
• $6.4 million
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
11
Before You Drive Away; Defensive Driving
Fleet Incidents; Indirect/ direct costs
•Retention or deductibles
•Direct repair costs
•Decreased morale
•Increased premiums
•Lost productivity
•Hiring/ training costs new staff
•Delayed/ missing
•Lost sales/ negative publicity
•Investigations, meetings and
administrative burden
•Legal fees
•Uninsured damaged property
•Replacement vehicle
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
12
Before You Drive Away; Defensive Driving
Are YOU a defensive driver?
•Attempt to recognize potentially hazardous situations
sufficiently in advance to allow time to safely maneuver past
them.
•Assume that other drivers will make mistakes and are proactive
with a number of outs/ solutions.
•Scans well ahead of what is immediately in front, to have
advance warning of approaching hazards.
•Maintains a safe following distance.
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
13
Before You Drive Away; Defensive Driving
Why wear your seatbelt? #1
•Video Clip
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
14
Before You Drive Away; Defensive Driving
Why wear your seatbelt? #2
•Video Clip
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
15
Before You Drive Away; Defensive Driving
The Driving Equation: Conditions and Environment
What are some physical conditions that would effect the driver?
What and How?
1)
2)
3)
4)
5)
6)
7)
Age
Vision
Hearing
Mobility
Illness
Fatigue
Stress
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
16
Before You Drive Away; Defensive Driving
The Driving Equation: Conditions and Environment
Other conditions that would effect driving?
What and How?
1)Weather
2)Vehicle
3)Traffic
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
17
Before You Drive Away; Defensive Driving
Defensive Driving: Recognize the hazard!
1)
2)
3)
4)
5)
Another driver is tailgating you or driving aggressively
Traffic conditions are heavy
Road conditions are slippery
You are approaching an intersection controlled by a stoplight
Others
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
18
Before You Drive Away; Defensive Driving
Defensive Driving: Understand the defense!
1)
2)
3)
4)
5)
Another driver is tailgating you or driving aggressively
Traffic conditions are heavy
Road conditions are slippery
You are approaching an intersection controlled by a stoplight
Others
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
19
Before You Drive Away; Defensive Driving
Defensive Driving: Act Correctly and in Time
•Speed up
•Slow down
•Veer left
•Veer right
•STOP
•Others
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
20
Before You Drive Away; Defensive Driving
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
21
Before You Drive Away; Defensive Driving
Defensive Driving: Following Distances
•At 25mph, how many feet does your vehicle travel in 1 second?
•How long might your attention be diverted for routine tasks?
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
22
Before You Drive Away; Defensive Driving
Stopping Distances…
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
23
Before You Drive Away; Defensive Driving
Defensive Driving: Stopping Distance
STOPPING DISTANCE
=
Reaction Distance+ Braking Distance
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
24
Before You Drive Away; Defensive Driving
Defensive Driving: Following Distances
•At 25mph, how many feet does your vehicle travel in 1 second?
•37fps @ 25mph
•81fps @ 55mph
•117fps @ 80mph
•How long might your attention be diverted for routine tasks?
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
25
Before You Drive Away; Defensive Driving
Cell Phones, the ultimate distraction…
•University of Utah Study
•(40) test subjects, driving in a simulator, + alcohol
•Drivers who operate/ talk on cell phones are as impaired as
someone intoxicated at what level?
•A)
•B)
•C)
•D)
Little to no impairment
.04 BAC
.06 BAC
.08 BAC (legally intoxicated in VA)
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
26
Before You Drive Away; Defensive Driving
Animal strikes
•Reducing the likelihood and impact of an animal strike incident
• Always wear your seatbelt!
• Lookout for deer all day especially at dusk and dawn
• Watch for deer crossing signs
• Reduce speed in deer crossing zones
• Deer are herd animals, you see one there are others
•What to do if a crash is unavoidable
• Do not swerve out of your land or loose control of your vehicle
• It is generally safer to hit the deer then to risk hitting another motorist or
running off the road.
• Apply your breaks firmly and hold the steering wheel firmly
• Bring your vehicle to a controlled stop
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
27
Before You Drive Away; Defensive Driving
FOCUS (5) Important characteristics of a defensive driver
• Knowledge
• Alertness
• Foresight
• Judgment
• Skill
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
28
Before You Drive Away; Defensive Driving
Common High Risk Mistakes
1) Following too closely
2) Improper speed
3) Ignoring traffic sign, signals, conditions
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
29
Before You Drive Away; Defensive Driving
Intersection Safety Formula
•Know, slow, show, go
•Know - Know what’s going on around your vehicle, where you are
going, and the traffic laws
•Slow - Slow down when you approach an intersection, cover the brake
(reduces reaction time)
•Show - Show Other drivers what you are doing
•Go - Go through the intersection when it is clear, safe and your turn
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
30
Before You Drive Away; Defensive Driving
Inspection: Front
•Bumper
•Lights (headlights, clearance lights)
•Windshield
•Wiper blades
•Wheels, tires, brakes
•Belts
•Fan
•Electrical wiring
•Oil/ Fuel filters
•Steering components
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
31
Before You Drive Away; Defensive Driving
Inspection: Side
•Housekeeping
•Mirrors
•Safety equipment
•Fuel tanks/ hydraulic tanks
•Battery box
•Handles/ steps
•Frame/ cross members
•Exhaust
•Fender condition
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
32
Before You Drive Away; Defensive Driving
Inspection: Rear
Back of truck:
•Wheels, brakes, tires
•Mud flaps
•Suspension components
•Axles/ rear ends
•Hitch
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
33
Before You Drive Away; Defensive Driving
Load Securement:
•FMCSA Requirements
• 10,000 lb. load/ minimum of (4) tie downs
• Articulated vehicles much be restrained
• All accessories must be lowered (buckets, blades, etc.
•Chain binders
•Cargo nets
•Ratchet straps
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
34
Before You Drive Away; Defensive Driving
Load Securement:
•Picture 1)
•Picture 2)
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
35
Before You Drive Away; Defensive Driving
Load Securement: Other
•Ramps
•Debris
•Brakes
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
36
Before You Drive Away; Defensive Driving
Defensive Driving Behaviors for Great Success
•
•
•
•
•
•
•
•
•
Focus your attention
Eliminate distractions
Scan ahead and around
Communicate with other drivers
Obey traffic signs and signals
Maintain safety “cushion”
Anticipate others actions
Plan, have an escape route
Cover the brake
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
37
Before You Drive Away; Defensive Driving
ACCIDENTS: Your Initial Response
•Stop your vehicle, turn on 4-way flashers
•If possible move your vehicle out of the way
•Determine location
•Call for assistance
•Protect the scene, warning triangles, flares, signal
person, etc.
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
38
Before You Drive Away; Defensive Driving
ACCIDENTS: Collect Information
•Complete accident report
•Record time, date, names, numbers, addresses,
license numbers
•Sketch/ diagram intersection, roadway, etc.
•DO NOT MAKE A STATEMENT
•DO NOT APOLIGIZE/ BLAME
•DO NOT DISCUSS ACCIDENT WITH OTHER
PARTIES
•SIGN ONLY POLICE REPORT OR SUMMONS
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
39
Before You Drive Away; Defensive Driving
Summary
The information, samples and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal
advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal
counsel and/or other appropriate business advisors before using this material or deciding how to proceed in any specific situation. This document is for illustrative purposes
only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the
United States Patent and Trademark Office. © 2005 Continental Casualty Company. All rights reserved.
40
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