Commercial drivers are at a higher risk for occupational accidents than many other professions. As a result, they are often required to have occupational accident insurance to protect themselves and their families in the event of an accident. There are a few different things that can affect whether or not a commercial driver is eligible for this type of insurance. Consult with Choice One Insurance Inc. in Portland, OR for expert insurance advice.
Eligibility Requirements for Occupational Accident Insurance for Commercial Drivers:
1. The Driver Must Be Employed by a Company That Requires Insurance.
For a commercial driver to be eligible for occupational accident insurance, their employer must require it. This is typically done to protect the company from liability in the event of an accident.
2. The Driver Must Be Driving a Commercial Vehicle.
This type of insurance is designed specifically for accidents that occur while operating a commercial vehicle. As such, only drivers of these vehicles are eligible for the coverage.
3. The Driver Must Have a Valid License.
To be eligible for occupational accident insurance, the driver must have a valid commercial driver’s license. This is necessary to ensure that the driver is properly trained and qualified to operate the vehicle.
4. The Driver Must be a U.S. citizen.
This type of insurance is typically only available to drivers who are citizens of the United States. This is due to the fact that the coverage is regulated by federal law.
5. The Driver Must Meet the Minimum Age Requirement.
Most insurers require that drivers be at least 21 years of age to be eligible for occupational accident insurance. This is because younger drivers are considered to be riskier and therefore more likely to be involved in an accident.
6. The Driver Must Have a Clean Driving Record.
To qualify for this type of insurance, commercial drivers must have a clean driving record. This means that they should not have any accidents or violations on their record. Insurers typically check this by pulling the driver’s Motor Vehicle Report.
Contact Us Today
These are the eight eligibility requirements for occupational accident insurance for commercial drivers. If you meet all of these requirements, then you should be able to get this type of coverage. Contact Choice One Insurance Inc. in Portland, OR today to get started. We can help you find the right policy for your needs and budget.