Truck Driver Workers Compensation Rates
Workers’ compensation for any kind of injuries and damages while working is one of the basic rights of all kinds of workers, and it is widely celebrated all over the world. Whenever any worker faces any difficulties or injuries, they can claim compensation for their loss. But in the case of truck drivers, workers’ compensation claiming and compensation rates are slightly different from other sectors. In the next sections of this article, we are going to discuss in detail about this issue.
Who Needs Workers Comp?
Workers’ comp actually refers to the expenses that you have to pay whenever any worker employed under you get injured for any kind of accident. Truck drivers also possess the right to have their workers’ comp from their owners under whom they are employed. While driving trucks on roads, if any truck driver gets faced with a road accident that causes serious injuries to his body and vehicles, they have the right to claim for their workers’ compensation. Most commonly, workers’ compensation for truck drivers cover the following injuries:
- Injuries faced in a road accident
- Injuries and damages by driving trucks loaded with freight
- Injuries faced while repairing your trucks on roadside areas
- Injuries that you face for unconscious or sudden falling or slipping while entering or getting off from the truck
Nowadays, not only are male workers involved in trucking professions, but you will notice female drivers also at a higher rate. That is why the term “workers’ comp” now gets widely used instead of workman’s comp.
Workers’ Comp Rates for Trucking Companies
Workers’ compensation rates for truck drivers vary from person to person or even company to company, depending upon the salary a driver gets and what a company pays. In most cases, workers’ comp for trucking companies gets decided between 8% to 15% of the total salary of a truck driver. However, this range depends upon a number of factors. If the injury and damage of a truck driver can meet all the factors properly, only then the company agrees to pay the workers’ comp to him or her, otherwise not.
The factors upon which trucking companies decide workers’ comp generally include:
- What are the major claims of the driver, or on which injury or damage is the focussing more?
- Was the truck loaded with freight, or was it unloaded?
- What is the actual cause of the accident?
- What is the operation class code for the driver’s injury?
- Which insurance company is the driver claiming comp?
- Were there any hazardous materials in the truck?
- Was the accident caused due to the driver’s carelessness?
- How was the accident – local or long-haul?
How Much Does Workers’ Comp For Truck Drivers Cost in 2021?
You already know that workers’ compensation rates for truck drivers normally adjust between 8% and 15%. According to the workers’ law in 2019, the average salary of a truck driver is $57,000. If you consider the workers’ comp 8% to 15% of the total salary, then the comp gets on average $4,560 to $8,550 in a year. The rate is pretty less, isn’t it?
But in 2021, the rate gets a bit higher. In some cases, workers enjoy a compensation rate of up to 28% of their gross salary. But this rate demands to be fulfilled all the factors relevant to the workers’ compensation decision.
Do Owner Operators Need Workers’ Comp?
Trucking workers’ compensation is usually provided to the truck drivers who work for others or under a separate owner or authority. But in case you are driving your own truck or motor vehicles for which you are not at all responsible to others, you normally do not possess any opportunity to have a workers’ comp for your personal injuries and damages. Because there is no option or any higher authority to whom you can claim your reparations. In that case, owner-operators need not any workers’ comp.
But in the case of every vehicle and person, either owner or a driver, you always have a backup by your motor insurance company if you have it. If you make insurance based on your vehicle, the company will provide you an amount for your injuries whenever you face any accidents. Moreover, you can take help from occupational accident insurance for truckers law or policy. It’s very much helpful for the truck drivers especially.
Workers’ Compensation Codes for Transportation Companies
It has already been mentioned in the previous section that workers’ comp gets decided depending on various factors, among which one major factor is the operational class code for the transportation companies. When any company decides how much it should pay as the workers’ comp to the victim driver, it focuses on the operational class codes.
There are numerous class codes under any of which you must get classified. Such as
7219- Local and long haul truckers workers’ comp
Here the radius is the main deciding factor. The code works like a catch-all for most truck drivers.
7228- Local or Short-Haul Truckers Workers’ Comp
If any driver carries other people’s goods and materials and does not cross a distance of more than 200 miles, the driver’s accident will fall under this class code then. Besides, dump trucks, towing truck operations, drive-away cases also carry this class code.
7229- Long Haul Trucking Workers’ Comp
The situation for this code is almost opposite to the code mentioned above. If any driver carries other people’s goods but crosses more than 200 miles from the point he starts, then this code will become his class code. Trucking comp, which occurs within the interstate, will fall under this code. On the contrary, long-distance driving can also hold this class code.
7230- Package or Parcel Delivery Trucking Workers’ Comp
Mostly the truck drivers who carry packages and goods from a retailer or a retail store to the consumer use this class code. Like the furniture stores.
7231- Mail Drivers and Couriers Workers’ Comp
This code includes all the truck drivers working for the product courier services.
Reduce Trucking Accidents to Reduce WC Claims
Workers’ comp is completely related to trucking accidents. So it is obvious that if trucking accidents can be reduced or maintained somehow, workers’ comp will eventually get reduced. In order to reduce trucking accidents, some effective measures can be taken by both the trucking companies and the truck drivers as well. For example:
- Arranging sufficient footwear needed for the behind wheel of the truck
- Drivers being more careful while driving trucks on highway roads
- Maintaining traffic rules properly
- Wearing tennis shoes or cowboy boots for reducing injuries in ankles
- Taking necessary advice from the insurances companies
- Providing adequate driving training to the drivers
Lower Your Trucking Work Comp Premiums
Workers’ comp premiums are normally higher for the trucking companies than any other driving company. Trucking companies have to pay a big amount annually as their insurance premiums. If you want to lower your annual insurance premium, you need quotes from someone or some agents who are knowledgeable enough in this field. The quotations can make your premiums reduced in a substantial amount.
Recently, if you search, you will find there are lots of agents or companies who are doing the business of an intermediary. That means if you contact these companies, they will find agents or quotes for you from trusted sources. And you will get your workers’ comp premiums lowered just sitting at your desk by hiring them. It’s very much easy and trustworthy, isn’t it?
So, we sum up our discussion on the truck driver workers’ compensation rates here. I hope you have learned all the necessary things you should know about truck driving and the driver’s compensation issue. If you are a truck driver worker or an owner-driver, this information will help you out a lot. If you want to learn further, you can contact your motor insurance company and an advisor professional in this field.