1. CVOR System Overview:
- Applicability: CVOR points specifically pertain to commercial drivers.
- System Structure: The CVOR system considers both the driver and the company associated with the driver.
- Double Impact: Drivers are subject to CVOR points and demerit points, creating a dual accountability system.
2. Driver’s CVOR Points:
- Identification: The CVOR number, typically six to eight digits long, is associated with the incorporated company the driver is working for.
- Points Attribution: When a charge is laid and convicted, CVOR points are accrued, affecting both the driver’s CVOR abstract and their personal vehicle insurance.
3. Company’s CVOR Points:
- Impact on Insurance: CVOR points for the company influence the bulk insurance purchased for the entire fleet.
- Insurance Challenges: Excessive CVOR points may result in increased insurance premiums or difficulties in securing insurance coverage.
4. Driver’s Personal Vehicle Insurance:
- Visibility of CVOR Points: Insurers assessing personal vehicle insurance can view both CVOR points and demerit points.
- Potential Rate Increase: Accumulated points may lead to higher personal insurance rates for the driver.
5. Importance of Transparency:
- Notification to the Company: In case of a ticket with company CVOR points, drivers are encouraged to notify their company promptly.
- Company Support: Companies often provide support, including financial assistance for the driver’s defense, as it aligns with the company’s interests.
6. Consultation for Comprehensive Review:
- Professional Guidance: Seek consultation with experts like OTD Legal for a comprehensive review of the situation.
- Quote for Assistance: Professionals can provide advice, guidance, and quotes for legal assistance to navigate CVOR points issues.
7. Avoiding Ignorance:
- Proactive Approach: Ignoring CVOR points issues can lead to insurance challenges, fleet idleness, and increased costs.
- Addressing Challenges: Proactively addressing CVOR points issues ensures legal compliance and minimizes financial repercussions.