High risk driver insurance

Are you talking about as an owner op or hiring on as a driver? If owner op do you mean with your own authority?

 

It’s going to be super expensive. But you can get it.

 

I don't know if this insurance is good or not.
Maybe a last resort.
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You are 23 years old, you have two major accidents on your MVR and they are both most likely DOT Recordable ( FMCSA 390.15). To have any shot at getting insurance, you will most likely need to install some type of accident avoidance technology on your equipment.

You should also contact your state trucking association as well as OOIDA, to see if they can offer you some guidance and assistance.

 

Good luck with this, your second accident puts you into a different category altogether.

Of course it was your fault, not supposed to cross that double line.

I would think you are looking at $30k a year but I could be wrong, it could be more. I talked to someone (age 27) who had two preventables, one really stupid (uturn) and one moronic (got stuck on a bridge that said NO TRUCKS - couldn't go a half mile down the road to go on the other side) and he had quotes in the low to mid $40s.

 

I doubt anybody wants anything to do with insuring you as a driver much less owner op with those on your record.

 

Most of the insurance companies I've worked with had a limit of one preventable, at fault accident in the past 3 years [on average some longer!] so you face a 'Catch 22" where most won't insure you until the first accident is over 3 years old so you need to find someone, almost anyone, who's insurance will cover you and stay there, accident free, for a few years...otherwise you face a gap of 'driving' employment that can/will have insurance companies looking closer at your record.

Once the newest accident is over 3 years old you should be 'approvable' most anywhere.

 

You need to wait 3 to 5 years for those accidents to pass . Than maybe it might be affordable and that's a big maybe . You have to treat your CDL and your driving record likes its life and death .