Insurance coverage protection and hours of service : LP Gasoline


Throughout Nationwide Propane Gasoline Affiliation (NPGA) district conferences in January, a propane business member posed a query about insurance coverage protection because it pertains to hours-of-service points. Sarah Reboli, senior director of regulatory affairs at NPGA, offered a solution.

Headshot: Sarah Reboli, NPGA


Q: Are drivers nonetheless lined by insurance coverage when working over regular hours-of-service rules due to an emergency declaration by a state or the Federal Motor Service Security Administration (FMCSA)?

A: The quick reply is “almost definitely,” however every marketer ought to evaluation their coverage phrases rigorously. Ordinarily, insurance policies require adherence to federal, state and native legal guidelines, and FMCSA or governor orders detailing hours-of-service waivers – akin to a short lived, totally different regulation – wouldn’t pose a difficulty to insurance coverage protection. That stated, a coverage may embody phrases that don’t cowl these conditions. All of it is determined by the marketer’s driving historical past, coverage contract and the preferences of the insurance coverage service. 

One other instance is when a driver responds to an emergency situation, like a fuel scent, after hours – underneath regular circumstances, not an emergency declaration. The rules allow drivers to reply to this emergency no matter hours exhausted, and the technician’s driving to that buyer is probably going lined by insurance coverage, too.

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