At National Propane Gas Association (NPGA) district meetings in January, a member of the propane industry asked about insurance coverage with respect to hours of service. Sarah Reboli, Senior Director of Regulatory Affairs at NPGA, provided an answer.
Q: Are drivers still covered by insurance when working beyond normal hours of service regulations due to an emergency declaration by a state or the Federal Motor Carrier Safety Administration (FMCSA)?
A: The short answer is “most likely”, but every trader should carefully consider the terms of their policy. Usually, policies require compliance with federal, state, and local laws, and orders from the FMCSA or the governor detailing hours of service waivers—similar to a different temporary law—wouldn’t pose a problem for insurance coverage. assurance. That said, a policy might include language that does not cover these situations. It all depends on the marketer’s driving history, the insurance contract, and the preferences of the insurance company.
Another example is when a driver is responding to an emergency, such as the smell of gas, after hours – under normal conditions, not an emergency declaration. Regulations allow drivers to respond to this emergency regardless of exhausted hours, and the technician’s drive to this customer is likely covered by insurance as well.