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Truck insurance, safety, and compliance articles from Ten Four’s underwriting, claims, and safety experts, written for owner-operators and fleet owners.
How do you actually correct Unsafe Driving behavior before it becomes something more? The answer is surprisingly simple, but also difficult at the same time. In order to correct Unsafe Driving habits, you need something more than a speech, you need a system. It’s easy...
Is a single violation the same thing as a pattern? No. A one-time unsafe driving violation is usually a bad day; three or more similar violations from the same driver within a year, or the same violation type showing up across several different drivers, signals a...
Why should I pay so much attention to speeding violations? Speed doesn't just make a crash more likely, it makes every crash worse. A slow crash bends a bumper, but a fast crash bends a car or worse. Underwriters aren't pricing your policy based on how often your...
Why is Unsafe Driving the CSA Score Underwriters Watch Most? Unsafe Driving is one of only two FMCSA BASIC categories held to a stricter intervention threshold, alongside Hours-of-Service. Many trucking insurers use an elevated Unsafe Driving score as a hard cutoff...
ATRI just released its latest Analysis of the Operational Costs of Trucking, and there's one number in there that will make every motor carrier pay attention. $2.336. That's what it costs, on average, to run a truck one mile. That is up 3.4% from last year. If you...
Commercial truck insurance isn’t always simple, but at Ten Four, we do our best. That’s why we’re busting common myths about policies and coverage. In this post, we’re tackling a myth we hear all the time about physical damage coverage. The myth: “If my truck is...
The FMCSA has over 15 different rule changes in the pipeline right now. Reading a summary of every one of them might make you fall asleep. But luckily, I enjoy reading them. And so I went through every one of them and came away with 5 potential regulations that could...
How to Improve Your CSA Scores: Actionable Steps Fleet Owners Can Take Improving your CSA scores is an ongoing operational discipline. But it's also not as complicated as it might seem. Most improvements come down to four areas: knowing where you stand, fixing data...
From July 12 to July 18, 2026, law enforcement across the United States, Canada, and Mexico will be watching the road a little harder. It's Operation Safe Driver Week, the Commercial Vehicle Safety Alliance's annual enforcement and outreach blitz and the focus area...
Ten Four Welcomes Will Hays Please help us welcome William Hays to Ten Four Truck Insurance as our new Agency Development Manager! Will brings 10+ years of experience driving revenue growth, leading teams, and building relationships that last. He worked both sides of...
If you've been in trucking for any length of time, you've probably heard the term CSA scores thrown around. Maybe a shipper mentioned them, maybe your insurance broker brought them up, or maybe you've seen them referenced on the FMCSA's website and wondered what they...
Most of the conversation around the Supreme Court's decision in Montgomery v. Caribe Transport II, LLC has focused on freight broker liability. And fair enough, the case deals with federal preemption and whether brokers can be sued when a carrier they hired gets into...