SteveInMD
Platinum Member
I should add that there a few (very few) exceptions to the "in commerce" bit. Some tunnels can prohibit material like propane, even in containers on campers (which are not in commerce).
LBrown59 said:The Risk of the of the commercial vehicle becoming involved in the accident in the first place is greater because it's being driven more miles on the highway more frequently than the lone individual driving a noncommercial vehicle. The greater the exposure the higher the risk. Why do you think insurance companies base auto insurance rates in part on miles driven per year?
A private party would not likely be transporting thousands of gallons of fuel like a commercial carrier either.
*vehicle carrying a half dozen plastic jugs of gasoline.
*If the commercial carriers were not regulated you'd probably find some of them doing exactly that but it wouldn't be only half a dozen jugs it would be hundreds to thousands of gallons.
That's why Regulation of commercial haulers is needed.
Zeroing in on private individuals does nothing in that area.
The dots time effort and resources would be better spent enforcing regulations covering commercial haulers not wasting them on private individuals.
cowpie1 said:beep! Wrong answer!
The way to look at the risk is the accident frequency per 1000, 100000, etc miles. Commercial vehicles inherently have a safer accident rating than the general public. FMCSA bears this out in its statisitical data.
I presently have over 2 million documented miles as a commercial driver without so much as a ticket or preventable accident. Likewise, I have NO accidents as a general motorist and only 1 ticket. I know many commercial drivers that are in the same league as I. I defy the motoring public to match up to those stats.
Generally, when accidents with commercial vehicles do happen, they cause far more damage per incident. This is a fact of the physics involved. But being more unsafe or higher accident rate just because they cover more miles in a year show a lack of understanding the scope of the issue.
There is always room for improvement, that I will never dispute.
Soundguy said:My guess is the insurance company categorizes 'per occourance', based on 'x miles'.. and As was noted earlier.. it's likely that when accidents do happen with commercial vehicles, the 'average' accident is probably more expensive, liability wise.... thus commercial vehicles have a higher premium.. etc.
Individual driver records also matter to some degree. For instance.. our insurance company will ask us to remove an employee from driver status, after 2 tickets, or.. if it is a 'reckless' or other agravated charge, after 1 ticket. If a driver has his license suspended or revoked from dui, they cannot go back on the insurance for 5 years, and -never- after the 2nd dui.
Soundguy