CSA scores have a significant role in the insurance industry. Without access to a fleet’s internal data, CSA scores are often one of the only approximations of a fleet’s safety available to insurance carriers. However, there’s a big problem with using CSA scores to price insurance: They don’t always accurately represent a fleet’s level of safety.
Fortunately, if your fleet is looking to renew their insurance policy soon, there’s good news. Insurers want as much data as possible when evaluating a fleet, and you can use your data to beat your CSA scores and prove how safe you really are.
How CSA Scores Often Misrepresent Fleet Safety
The reliance on CSA scores is a source of significant inefficiency in pricing commercial auto liability insurance. Why? Because the regulations governing CSA scores are inconsistently applied and interpreted.
CSA-related infractions only reflect noncompliance instances that have been reported by DOT authorities. Because DOT authorities can only conduct so many inspections, these scores are misrepresentative of a fleet’s overall safety performance. If an insurer quotes a fleet based primarily on their CSA scores, they’re ignoring a large swath of a fleet’s data and aren’t getting the full picture of their safety.
Additionally, infractions remain with a fleet’s BASICs percentiles for two full years before expiring. If a fleet makes a major change in their safety program that unlocks a significant improvement, their CSA scores will not fully reflect this change until a considerable period of time has passed.
How to Demonstrate You’re Better Than Your CSA Scores
If a fleet has low CSA scores, they can still prove they are safer than their scores indicate and give a more accurate representation of their performance by:
- Creating visibility in their data by organizing it into a single location
- Identifying trends surrounding driver behavior
- Implementing processes that address poor behaviors and highlight positive ones
Presenting this process to potential insurers can prove that this fleet’s safety program is more robust than their CSA scores indicate. If their practices as a fleet are on track to improve safety, they can achieve a better rate.
The same goes for fleets with above-average CSA scores who want to show that they stand out even among other safe fleets. If you can prove that your drivers are safer than those at other fleets with similar CSA scores, you can receive truly competitive pricing.
The Tool You Need to Unlock Insurance Savings
To demonstrate the true measure of your fleet’s safety, you can’t simply hand an insurer a spreadsheet of telematics incidents and expect them to see your fleet in a different light.
With the Idelic Safety Suite®, your fleet can consolidate all of its driver data into a single platform and use artificial intelligence to identify at-risk drivers, enabling you to intervene before a crash occurs proactively. Additionally, once you’ve identified trends in your data using Safety Suite’s custom Reporting Module, Safety Suite can help your fleet address those trends with automation that takes the leg work out of process improvement. With Safety Suite, your fleet can access all the tools it needs to identify positive trends and unlock insurance savings.