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This presentation addresses some of the most common issues which
arise in working with the towing industry in insurance coverage and
spill cleanup matters. Because decisional and statutory law on any
topic can differ somewhat from state to state and because insurance
principles and regulations evolve and are often subject to multiple
interpretations, the reader is cautioned not to rely on the principles
set forth without undertaking additional research. Case citations used
are to Texas and other state law.
What are the different types of tows?
Private Property tow - Any tow of a vehicle authorized by the owner
of a parking facility (for example, an apartment building parking lot,
restaurant, paid parking lot) without the consent of the owner or
operator of the vehicle.
Consent Tow - Any tow of a motor vehicle in which the tow truck is
summoned by the owner or operator of the vehicle, or by a person
who has possession, custody, or control of the vehicle.
Incident Management tow - Any tow of a vehicle in which the tow
truck is summoned because of a traffic accident or to an incident, or
any tow initiated by law enforcement.
.
TDLR
86.201. Tow Truck Permit--Incident
Management Towing (New section adopted effective April 15, 2008, 33 Tex-Reg 2940)
(a) An incident management towing permit is
required for a tow truck used to perform any non-
consent tow initiated by a peace officer, including a
tow allowed under §545.3051, Transportation
Code.
Most districts have maximum tow charges, check your local
jurisdiction….
Texas Transportation Code-
Section 545.3051:
REMOVAL OF PERSONAL PROPERTY
FROM ROADWAY OR RIGHT-OF-WAY –
(3) "Personal property" means:
(A) a vehicle described by Section 545.305;
(B) spilled cargo;
(C) a hazardous material as defined by 49 U.S.C. Section 5102 and
its subsequent amendments; or
(D) a hazardous substance as defined by Section 26.263, Water
Code.
(b) An authority or a law enforcement agency may remove
personal property from a roadway or right-of-way if the
authority or law enforcement agency determines that the
property blocks the roadway or endangers public safety.
(c) Personal property may be removed under this section without
the consent of the owner or carrier of the property.
(d) The owner and any carrier of personal property removed
under this section shall reimburse the authority or law
enforcement agency for any reasonable cost of removal and
disposition of the property.
TC 545.3051
Texas Transportation Code- Florida Traffic
Control
- Section 600.001: Section 316.2044
REMOVING MATERIAL FROM HIGHWAY
(a) A person who drops or permits to be dropped or
thrown on a highway destructive or injurious
material shall immediately remove the material or
cause it to be removed.
(b) A person who removes a wrecked or damaged
vehicle from a highway shall remove glass or any
other injurious substance dropped on the highway
from the vehicle.
AL – 32-5A-60
TN - 55-8-170
KY – 189-754
PA – 75-3709
MS – 63-3-1211
VA – 18.2-324
MD – 21-1111
ID – 49-613
WV – 17C-14-11
OK – 47-11-1110
NY – Nycode 1219
MT – 61-8-365
DE – Delcode 4189
UT – 41-6a-1712
IA – 321-371
NE – 39-311
MN – 169-42
NH – 265-102
WA - RCW 46.61.645
In regulation, SHALL is a requirement.
Most States have required minimum amounts of liability
coverage* to satisfy their financial responsibility law.
This requirement was enacted to protect individuals and property from
damages incurred from the operation of automobiles.
Automobile insurance contracts generally spell out the
dollar limits of coverage and the conditions applicable to
a loss occurrence.
*Compulsory or Mandated Insurance meets this requirement
An auto policy may include six coverages.
1. Bodily Injury Liability
2. Medical Payments or Personal Injury
Protection (PIP)
3. Property Damage Liability
4. Collision
5. Comprehensive
6. Uninsured and Underinsured Motorist
Coverage
Required
Covers You
Covers others
Required minimum liability limits are 30/60/25*.
This means $30,000 for each injured person,
up to a total of $60,000 per accident
and $25,000 for property damage per accident.
*Texas
As the name implies, property damage liability car
insurance ensures that any damage to property
that you may have caused will be paid off by the
insurance company.
What is covered under “property”?
Of course, the other person’s car or vehicle is the
foremost concern. However, other property such
as a fence, or even a mailbox will be covered by
property damage liability insurance.
http://www.carinsuranceguru.org/guide/what-is-property-damage-liability-car-insurance/#sthash.Fuup6PJz.dpuf
How about a road?
11. Pollution
"Bodily injury" or "property damage" arising out
of the actual, alleged or threatened discharge,
dispersal, seepage, migration, release or escape
of "pollutants":
(Paragraph) a. That are, or that are contained in
any property that is:
(1) Being transported or towed by,
handled, or handled for movement
into, onto or from, the covered
"auto";
Exclusions:
Pollution coverage is typically stated in the exclusion section:
(Paragraph) a. does not apply to fuels,
lubricants, fluids, exhaust gasses or other
similar “pollutants” that are needed for or
result from the normal electrical, hydraulic
or mechanical functioning of the covered
auto.
TRAFFIC ACCIDENT STUDY GUIDE 2010 SECTION THREE
The study guide was developed through the cooperation
of International Association of Chiefs of Police and the
Federal Law Enforcement Training Center.
d. LIQUID DEBRIS – This is debris consisting of liquids from a
vehicle or its cargo, i.e., oil, transmission fluid, or radiator
fluid. Liquid debris can be broken down into five categories
or patterns found at the accident scene.
(1) Spatter – Spatter is the collection of spots on the
road made by liquid squirted from the vehicle or its
cargo by the force of collision. One example is
coolant from the radiator.
(2) Dribble – Dribble is the liquid from a vehicle or its
cargo that drops to the ground. This may often leave
a trail if the vehicle is moving. The spatter pattern
may also give an indication of the direction of
travel/motion at the time of impact.
(3) Puddle – Wet area where dribble accumulates after a
vehicle has come to rest.
(4) Run-off – Run-off is rivulets of liquid from a puddle
area flowing downhill toward soak-in at the edge of
the pavement.
(5) Soak-in – An area saturated with liquid, either at the
end of the run-off or as a puddle marking the rest
position of a vehicle.
Solid Debris could be pollutant debris.
Liquid Debris cleanup has four components
Immediate Response Cleanup
Waste Classification
Proper Disposal
Secondary Spill Cleanup (remediation) (typically impacted soil or water contaminated by the spill if needed)
In the U.S., the response to an incident is
regulated under many statues and many
government agencies.
It is important for responders to at least
understand the basis of these regulations because
they dictate everything, from how they manage a
spill to the disposal of the spilt material.
http://ops.fhwa.dot.gov/publications/fhwahop08058/40.htm
National Tow Truck Driver Certification
Towing & Recovery Association of America (TRAA) represents the towing and
recovery industry on a national level.
This group has recognized that the tow truck driver can also be a
valuable contributor to the safe, quick clearance of an incident. With
proper training and certification, they can provide help with the clean-up
and handling of typical vehicle fluids at an incident.
Because they are often the first at the scene, this assistance serves to reduce
the clean-up time and allows for lanes to be opened in a more timely fashion.
Through a grant from the DOT, TRAA established national standards for tow
truck operators and developed the National Driver Certification Program.
http://traaonline.com/certification/
This program is based upon light, medium, and heavy duty towing and
covers the following areas:
Customer service
Safety
Incident management
Truck
Equipment
When assisting with traffic incident clean-up involving a hazardous
material, the type of requirements for tow truck drivers will
depend on the type of incident, the severity of the spill, and the
location of the spill relative to the damaged vehicles.
More information on the levels and curriculum topics, including handling of
hazardous material, is available on the TRAA Web site at
www.towserver.net/certification.htm.19
The applicable levels for TRAA tow truck driver certification when
dealing with hazardous materials are:
Level 1: For most vehicular spills (car wreck) with only minor
amounts of hazardous material spilled, Level I (Light Duty)
requirements should be sufficient, provided that tow truck
operators are not coming in contact with the spilled material.
Level II: For vehicular spills (medium-heavy duty truck wreck) with
moderate amounts of hazardous material spilled (partial saddle tank
emptied), Level II (Medium Duty) requirements should be sufficient,
provided that tow truck operators minimize their time near the
spilled material.
Level III: For large vehicular spills (tanker spill, blood-borne
pathogens, etc.), Level III (Heavy Duty) requirements will be
necessary to ensure tow truck driver safety.
Incident Clearance “Authority
removal”
28 of 50 states have some form of AR statute
Authorization to pre-designated public agency /
agencies – generally law enforcement or state DOTs –
to remove damaged or disabled vehicles and/or spilled
cargo from roadway that is determined to be a hazard.
If the driver is unwilling or unable to remove the vehicle or cargo,
designated authorities may require or perform removal without
consent of the owner.
KNOW THE DESIGNATED AUTHORITY ! Get their consent.
HAZWOPER Requirements Hazardous Waste Operations and Emergency Response Standard
(HAZWOPER)
This course is specifically designed for workers who
are involved in
• clean-up operations,
• voluntary clean-up operations,
• emergency response operations,
• and storage, disposal, or treatment of hazardous
substances or uncontrolled hazardous waste sites.
This course covers topics included in
29 CFR 1910.120.
The 40 hour course is for people that will regularly be
working with hazardous materials or be responsible
for cleanup of these materials.
The 24 hour course if for people that may occasionally come in contact with hazardous
materials, such as an area supervisor that will visit a site once in a while.
The 8 hour course is the annual refresher that is
required to remain current once the other courses
have been taken.
car insurance definition of pollutants
tow removal of material from highway
40 hr hazwoper online
Is your friend
tow truck driver spill cleanup requirements
THE RULES OF THE BATTLE
Section 402(p) of the Clean Water Act specifies that
NPDES permits for municipal storm sewer
Discharges
……… “shall require controls to reduce the discharge
of pollutants to the maximum extent practicable…
and such other provisions as the Administrator or the State
determines appropriate for the control of such pollutants.”
See 33 U.S.C. §1342(p)(3)(B)(iii).
In the U.S., the response to an incident is regulated under many
statues and many government agencies.
When may chemical countermeasures be used for
roadside fuel spills?
For small roadside fuel spills, chemical
countermeasures may be used, without EPA or RRT
approval, after other available physical cleanup
techniques, such as sorbents, have removed the
bulk of the spilled material. However, they may not
be applied in quantities that could runoff into
surface waters.
Before chemical countermeasures are applied in
areas where they may possibly contaminate
groundwater, state environmental authorities
should be consulted.
goldcrew.net
The water loving
portion of the
surfactant
molecule is
always shown as
a circle
The straight or
squiggled line
signifies the oil
loving portion
of the molecule
Gold Crew TC surfactants form spherical micelles that
surround the hydrocarbon molecules forming micro
emulsions removing the contaminant from the hard
surface.
The solution suppresses volatile organic vapors and
works on a wide range of organics including fuels, oils,
vegetable oils and animal fats.
TC enhances the natural biodegradation of fuel range
hydrocarbons.
Regulated Fees for Equipment and
Procedures
Other Regulated Charges
Other charges are only included in the tables if the
regulations specifically list the item and the regulated
amount. The 46 additional, non-towing charges fall
into 18 categories. Of these 18 categories, 9 appear
only once. Labor, winching, and dollies are found
most often in the local regulations. Charges for labor
have the largest range of fees, from $30 to $200.
Feasibility and Effects of Implementing a
Maximum Fee for Incident Management Towing in Texas
December 10, 2012
Feasibility and Effects of Implementing a
Maximum Fee for Incident Management Towing in Texas
December 10, 2012
Remember, the response to an incident is regulated under
many statues and many government agencies.
Actions performed at the scene relative to the incident
Time and Materials
What I can bill for:
HAZ WOPPER CERTIFIED Spill Cleanup personnel
Spill Variables
Type of Vehicles Involved: Auto___X____ Commercial Truck_______
Boat_______ Other _______
How many vehicles involved: ____2________
Type of Fluids Spilled:___Vehicle Operating Fluids________
Size of Spill:
(Example:3’x5’)______6 x 8__puddle__________________
Surface of Spill: Asphalt ___X____ Concrete _______ Gravel _______
Water _______ Other _______
Actions Performed
Law requires the generator to determine their own waste.
Insurance classifies vehicle fluids as pollutants
State or Health Departments may classify the same waste as hazardous
Are there exemptions?
(a) the present owner of a facility from which there has been a release
of a hazardous substance;
(b) the present operator of a facility;
(c) the owner of the facility at the time of disposal or release;
(d) the operator of the facility at the time of disposal or release;
(e) anyone who arranges for the disposal or treatment of hazardous
substances or who arranges with a transporter for
disposal of hazardous substances;
(f) any transporter of hazardous substances; and
(g) an owner of a facility with knowledge of a spill or release of
hazardous substances who sells or transfers without
disclosing.
Who are potentially responsible parties?
The concept of strict liability bears no logical relationship
to concepts of fairness, reasonableness or justice.
PLAISTOW, N.H. Aug 2002-- Hundreds of service
stations in New Hampshire are refusing to pay part of a
$65 million Superfund waste cleanup, testing how far the
federal government should go in recovering costs from
businesses whose waste winds up at the Environmental
Protection Agency’s toxic waste cleanup Superfund sites.
Boston EPA officials who oversee the program say they
are sympathetic, but the law allows regulators to go
after any business that sent oil to Beede from the time it
opened in the 1920s.
Not only are potentially responsible
parties held strictly liable for the damages
resulting from the contamination, any one
potentially responsible party can be held
jointly and severally liable for the entire
cost of clean-up.
The Importance of Record Keeping
Disposal
Know what the True cost is for disposal.
Know the cost to dispose of a drum of ignitable waste
And how much the drum will hold ; example 300 wiper pads or 250 pounds
Then calculate the cost of disposal based on what you used at the scene.
What about long term liability?
Keep waste segregated and manifested by incident’s responsible party.
Any potentially responsible party who gets
sued, or against whom costs are
recovered, has a right of contribution
against any other potentially responsible
parties.
You would have a right of contribution against the
property owner or insurer or the party who did
the dumping.
Good recordkeeping is essential
• Tag Each individual waste bag
• List each waste bag by response
number on the manifest
• Keep records safe for future
Add this line Some of the specific rules or statutory provisions sanctioning the“ Pollutant cleanup”
CVC 23113 ; CWA 402(p) , CCR
Certified Responders Know H&S issues and use products
that address the hazards faced
Establish Spill Cleanup Level
Clean Water Act Compliant Stormwater runoff compliant
Remediation Cleanup (optional)
Cost Recovery
Record Keeping
Technical Support