Business Insurance

The consequences of speeding for tow truck drivers

As a tow truck driver, there's a large amount of pressure to hustle on the job so that you can haul as many cars as possible. You do not want the customer to have to wait an extended time for you, and when you finally get to the vehicle that needs to be towed you may feel the need to get the car to where it has to go when possible. There might even be the temptation to speed and push the speed limit. However, speeding includes a lot of risks. It can cause car accidents and can even have a negative effect on your tow truck insurance rates. We'll review the dangers of speeding.

What qualifies as speeding?

Speeding means driving faster compared to posted speed limit, but it can also mean that you're driving too fast for that conditions around the road. There are many occasions that could call for slowing down, such as-

  • Slick, wet roads
  • Reduced visibility (rain, darkness, or fog)
  • Curves or sharp turns
  • Construction or work zones
  • Traffic
  • Intersections

Anyways, the purpose is that speeding isn't just going above the speed limit. It's also going too quickly for road conditions, that is unsafe.

Why speeding is dangerous:

There are lots of reasons why you shouldn't speed. Listed here are a few…

  1. You can lose control of your tow truck more easily.
  2. It takes additional time and distance to bring your tow truck to a halt, meaning you have less time to react to hazards. Let’s say it takes you three-quarters of a second to react to a slow-down and put your foot on the brake. At 45 mph, you’d travel 49.5 feet in that three-quarters of the second. At 60 mph, you’d travel 66 feet during that time. That’s a difference of nearly 17 feet. That’s a pretty significant distance.
  3. It’s more difficult to perceive hazards and dangers because you have less time to process.
  4. A car accident, if one happens, could be worse because the force of the crash would be greater.
  5. Safety features (such as the seatbelt) that are made into the vehicle won't be as effective.
  6. You use more fuel when you speed.
  7. Your tow truck insurance rates could go up when you get into any sort of accident or obtain a speeding ticket.

Driving too fast for conditions:

As we mentioned before, speeding can also mean that you're driving too fast for conditions around the road. You should slow down and take extra care when driving in the following circumstances:

When visibility is bad, you have to improve your following distance. You'll need some extra time and space to come to a halt and react to a slow-down within the traffic ahead of you.

Tow trucks and wreckers are tall vehicles, and that means they've a high center of gravity. The high center of gravity means that your tow truck is more prone to tip over, roll, and run off the road on a sharp turn than a passenger vehicle. So you have to slow down more than a normal vehicle around a turn. If there is a reduced speed limit before a turn, it’s meant for smaller, lighter passenger cars. You'll most likely need to slow down more compared to suggested speed limit. If you are going too quickly around a curve and then decide that you need to hit the brakes hard, you could cause your wheels to lock and your tow truck to skid.

On-ramps and exit-ramps can be dangerous – the FMCSA reports that 20%-30% of large truck crashes happen on or near ramps. The turns are very sharp and individuals are traveling very fast. Bear in mind that, again, the posted speed limits are for passenger cars. You might have to slow down more compared to suggested speed limit to take the turn safely.

It's vital that you take extra care when you're traveling through construction zones. Traffic might slow suddenly, lanes might be closed, you might have to merge. Plus there could be construction workers alongside the road. Tow trucks are perhaps not the most maneuverable vehicles ever invented, so don't try to zip via a construction zone.

Ah, there's nothing quite as aggravating to be stuck in traffic. Yes, it can be highly tempting to follow along with closely and easy to obtain going too quickly as soon as the cars start moving, however, you have to be patient, take it slow, and pay close attention to your surroundings.

The effects of speeding on your tow truck insurance.

Speeding doesn't just put yourself and other drivers at risk – additionally, it may jeopardize your chances of getting cheap tow truck insurance rates. Should you speed, there's the possibility that you'll obtain a speeding ticket. And that doesn't reflect well on your insurance rates because insurance companies see speeding tickets as a sign of risk. And the riskier you are, the greater difficult it may be to find insurance, and when you're doing so will most likely be very expensive.

Speeding also leads to an increased risk of having a car accident. And since accidents mean tow truck insurance claims, the impact of the speeding-related crash on your insurance rates could be intense. Like speeding tickets, accidents are an indicator that you’re a riskier venture to insure. Plus, a lot of claims puts you at chance of your policy being nonrenewed, which can make it exceedingly difficult to find new coverage. So, financially it isn't advisable to speed. You'll most likely wind up paying far more for the insurance.

There are many reasons not to speed. It's important to be safe on the roads, both for your sake and the sake of other drivers. When you're driving a tow truck or wrecker, you're driving a hefty vehicle. Going above the speed limit could result in disaster.

Do you need to save money on your tow truck insurance? We are able to help you with that. All you need to do to get tow truck insurance quotes is fill out our online form or give us a call today. We would be happy to help you save on your wrecker insurance rates.

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