Truck Insurance Blog
Ten Four Truck Insurance’s experts share insights and best practices on truck insurance, pricing, underwriting, safety, claims and more for owner-operators and fleet owners.
Featured Categories
Insurance Education
Commercial truck insurance basics in plain terms: what your policy covers, how claims work, and how rates are set. Posts cover cargo, physical damage, and non-trucking liability, and clear up common coverage myths for owner-operators and fleet owners.
Regulatory & Legal Updates
Safety & Compliance
CSA scores, DOT inspections, and the safety practices that keep a compliance record clean. Posts explain how BASIC scores are calculated, what roadside inspectors check, and how violations affect insurance premiums, with practical steps for fleet owners, safety managers, and drivers.
Driver Wellness
Latest Posts
The Unsafe Driving Correction System: How Fleets Can Stop Risky Behavior Before It Becomes a Crash
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...
Unsafe Driving Patterns: The Difference Between Mistakes & Management Problems
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...
Speed vs. Severity: Why You Should Care About Speeding
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 Does Unsafe Driving Hurt Your Trucking Insurance More Than Other CSA Scores?
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...
Truck Insurance Expert Authors
Sam Watts
Director of Safety & Loss Control
Scott Slezak
Underwriting
Manager
Rico Prestia
Senior Vice President of Sales
Kendall
Woodward
Director of Claims