Page 136 - CARS Standard Program

In-Truck Computers
Technology has made it necessary for the Recovery Agent to be equipped with a computer in his tow truck. As with cellular telephones, when it becomes necessary to operate the computer, you should not be operating your tow truck. The professional driver recognizes the potential dangers of operating a phone or computer while driving. He also recognizes the many accidents, collision damages, bodily injury and deaths resulting from the irresponsible acts of the non-professional driver.
When you consider operating your phone or computer while also operating your tow truck, PLEASE think first about the welfare of your family and the family your irresponsibility may affect.
Social Media
It’s Impact on Insurance Coverages
In this Section, we have provided statistics on the potential dangers of traffic crashes from the improper use of cell phones and other in-truck technological devices. The following information will show how the improper use of Social Media has a huge potential impact on insurance coverages for Recovery Agents.
Like a double-edged sword, social media can be a great way to communicate or if used irresponsibility can make you bleed headaches. Remember, what you post on any social media site it doesn’t go away....ever! In our research of social media and its potential impact on insurance coverages we have found the following information.
Underwriting guidelines, which sets the rules as to whether you are insurable were previously and primarily based on your past driving record and then expanded into looking at your credit history. Why? Because it speaks of your character and habits. Now, the new phenomenon that insurance carriers are looking at is social media for statements and/or photos that might indicate irresponsibility and/or the potential for violating an individual’s (primarily the debtor’s) privacy rights.
Our research of social media posts/photos by recovery agents that insurance carriers are looking at include the following examples:
1. Selfie of recovery agent and girlfriend and repossessed vehicle with the comment, “Got the dead-beat p......”
2. Selfie with comment about the firearms he carries in his tow truck.
3. Selfie with repossession hooked to tow truck with the comment, “another dirt
bag bites the dust.”
4. Comment, “I’m locked and loaded and looking for another dead-beat debtor.”
5. Video showing debtor chasing repossessor who had just repossessed his vehicle
with the comment, “another dead-beat debtor bites the dust.”
6. Photo showing debtor’s tag number with vehicle hooked to tow truck with
comment, “hooked and booked.”