Staying hitched: education is key to preventing towable claims.
Published in: Rental Product News
Date: 2/1/2005
By: Jensen, Dave
It’s every rental store owner’s nightmare: a phone call that their trailer or equipment came unhitched during transport, causing extensive damage or injury. Fortunately, it’s relatively easy to prevent such a phone call–provided the rental store owner and his or her employees understand the potential risks.
“Trailer and towable claims are the most frequent liability claim for rental store owners,” says Mike Martinie, vice president of marketing and sales for ARA Insurance Services. “It’s been that way for as long as I have been around and that’s been a lot of years.”
Martinie says that in most claims, the coupler comes off the ball, but the chains hold. The customer realizes something is wrong and hits the brakes. The trailer then slams into the back of the truck or tow vehicle, causing hundreds or thousands of dollars in damage.
Sometimes, however, the chains don’t hold. “Now you have a trailer or towable freewheeling down the road, with the potential to run into someone head-on,” Martinie says.
Minimizing human error
In theory, the liability for an accident caused by an unhitched trailer rests with the person who connected the trailer or towable to the towing vehicle and/or the person who was driving the vehicle at the time of the accident. In the “deep pocket” world of trial lawyers, however, rental store owners and their insurers can find themselves shelling out money for damages if the jury can be convinced the customer wasn’t properly informed of all the risks and safety considerations concerning trailer connections. At the very least, the rental store or its insurance carrier could face significant pretrial costs to prove the customer was at fault.
That said, a proactive policy is the best insurance to avoid legal claims, while vigilance and education are the keys to preventing accidents. Employees should be trained and tested in the proper method for loading the trailer and connecting it to the tow vehicle. Only employees should be allowed to connect the trailer or towable when the customer picks it up at the rental store.
Customers should be discouraged from disconnecting the trailer or towable from the tow vehicle, if possible. In many instances, however, the trailer or towable must be unhitched. At this point, customer education becomes critical, Martinie says, because most trailer/towable claims occur when the customer is bringing the equipment back to the store.
Try as they might to blame the equipment, the trailer or the coupler, in almost every case human error is responsible for mishaps.
“There are four or five different (hitch) designs out there and I haven’t seen any of them fail if they are used properly,” says Brian Weseman, president of Towmaster Trailers.
Tow vehicles are equipped with one of three different balls–1 7/8 inches, 2 inches and 2 5/16 inches in diameter. The 2-inch ball is probably the most common, although Weseman says more rental stores are shifting to couplers for the 2 5/16-inch ball because of its increased carrying capacity.
That presents a challenge, because you have to match the size of the ball to the coupler. Distinguishing between the different size balls is difficult to do visually, and dangerous as well. Rental store employees should be trained and retrained to check the diameter number stamped on the ball itself.
“You have to make sure you have the correct mate,” says Dave Medbery, national sales manager for JLG Triple-L Trailers. “If you don’t, it will come off when you hit a bump.”
Properly securing the trailer
Once the coupler and ball have been connected, the next step is to properly secure the safety chains. The chains should be crossed under the ball once; the chain connected to the left side of the trailer should connect to the right side of the truck and the chain connected to the right side of the trailer should connect to the left side of the truck. This “X” configuration provides stability.
“It will help to maintain the trailer’s straightness in the event it comes off the ball,” Medbery says.
Matching the height of the trailer or towable to the tow vehicle also is important. For most trailers, the distance from the bottom of the coupler tongue to the ground should be approximately 18 inches to minimize swaying, Medbery says. In all cases, the trailer deck should either be level or slightly higher at the end nearest the tow vehicle.
Proper loading is also important. “The equipment should be tied down and should be placed forward on the trailer,” Martinie says.
The danger of whipping
Placing the load too far back greatly increases the potential for the trailer to sway rapidly back and forth, which is also known as “fish tailing” or “whipping.” A good rule of thumb is to place the load so that 60 percent of its weight is located on the front half of the trailer and no more than 40 percent of its weight is located on the back half of the trailer.
Whipping is probably the greatest danger the driver faces when transporting equipment. “Whipping can take you off the ball,” Martinie says. “It can also take you off the road depending on how heavy the load is and how heavy your truck is.”
It’s important that customers understand what to do if the trailer starts to whip around. They should not slam on the brakes, even though that might be their first instinct, because sudden braking can increase the whipping motion and flip the trailer.
Instead, they should gradually reduce their speed by taking their foot off the gas pedal and very gradually applying the brakes, if necessary. Once the whipping has stopped, they should pull over to the side of the road and shift more weight to the front of the trailer. If the whipping motion is so severe that it pulls both the truck and trailer off the paved road, the driver should grip the steering wheel firmly, let off the gas pedal until the vehicle is traveling at a speed less than 25 mph, then gradually steer the vehicle back onto the road.
Utility trailers present their own challenges. “People leave the store and you don’t know how much or what they are hauling around,” Martinie says. Because the potential for claims is high, employees should be sure to tell customers that they cannot use the trailers to haul dirt, rocks, sand, sod, bricks, gravel, lumber, firewood, broken concrete, scrap iron or chemicals.
To help employees and customers minimize the potential for accidents, the American Rental Association offers a video “Winning with Trailer Safety” that outlines many tips for trailer safety. ARA Insurance Services also offers a risk-management program, “Ready to Tow,” that includes a safety instruction sheet that can be given to customers, a self-inking checklist stamp that ensures your employees and customers go through basic safety checks, and a safety sticker with the five important reminders that can be affixed to equipment trailers.
Tips & recommendations
Following are additional recommendations from ARA Insurance Services and Towmaster Trailers:
* The total weight of the load and trailer must not exceed the towing vehicle’s curb weight unless the trailer is equipped with brakes.
* Check the hitch installation, including safety chains, after loading and unloading the trailer. If possible, customers should not disconnect the trailer from the towing vehicle until it has been returned to the rental store.
* Make sure the truck is rated to pull the trailer.
* Check the overall condition of the trailer and its tie downs, ramps, hitch and tires.
* Make sure the trailer coupler and towing coupler are the same size and proper capacity.
* Make sure the trailer is connected to the tow vehicle before loading or unloading.
* Lock tow vehicle brakes before loading and unloading trailer and use chock blocks
* Make sure the weight is distributed properly on the trailer.
* Once loaded, make sure the trailer is level, or slightly higher in the front while maintaining the 18-inch tongue-to-ground clearance.
* Check the lighting on trailer and tow vehicle for proper operation.
* Secure all loading ramps and make sure the jack stand is in up position.
Customers should be told to:
* Drive slowly and allow extra time and distance for braking, stopping, passing and changing lanes.
* Never allow passengers in the trailer and never load cargo on the outside of the trailer.
* Use mirrors if their vision is obstructed by the trailer or load.
* After traveling a short distance, stop to make sure that the load is secure and that all tie downs are tight.
Wylie “Express” Water Wagon
* Compacts building sites, controls dust, waters remote vegetation, provides cooling and lubrication to concrete saws and more
* 500- or 1,025-gal. polyethylene tank
* 16-in. tires
* Electric or surge brakes
Maurer Gooseneck Tiltbed Trailer
* 16 ft. of tilting bed and 6 ft. of stationary bed
* 12,000-lb. GVWR
* 102-in. bed width with rub-rail
* 34.6-in. bed height
* 17 degrees of tilt
Thieman Tailgates M-series Stowaway Liftgate
* Series includes 1,600-lb. M-16, 2,000-lb. M-20, 2,500-lb. M-25 and 3,000-lb. M-30
* M-30 comes with a 6-in. ramp and a 72″ X 36″ or 84″ X 36″ platform size
* Other models available with an 84″ X 42″ platform size and 10-in. aluminum flip ramp
Tiger Line Trailevator
* Hydraulically operated, elevating trailer lowers itself to ground level for fast, easy loading
* No need to uncouple from towing vehicle
* One-person operation
* Available in several configurations
Magnum Water Trailers
* 500- and 1,000-gal. capacities
* Includes trailer-mounted, fully supported, 3/8-in thick polyethylene water tank and 2-in. centrifugal pump
* 20 ft. of rigid suction hose with hydrant adapter and strainer, 25 ft. of 2-in spray hose with nozzle and 25 ft. of 3/4-in. garden hose with spray nozzle
NGB-HL Removable Gooseneck Trailer
* Self-contained hydraulic system
* Non-ground-bearing gooseneck features four-position adjustment of the trailer’s run height
* Single-pivot articulator powered by two 6-in. hydraulic cylinders
* Standard LED taillights
Tommy Gate G2 Series Liftgates
* New platform configurations and standard treadplate steel platforms for full-size pickups and service bodies
* Dual hydraulic cylinders lift the platform with power on both sides
* Pickup models available in 1,300- and 1,500-lb. capacities
* Service/utility body models offered in 1,300- and 1,600-lb. capacities
Donahue Utility Trailers
* Frame constructed of 2- by 5-in. tubing with 3-in. channel crossmembers
* Two 7,000-lb. axles with 16-in. 10-ply tires
* Electric brakes on both axles
* 81.6-in. inside width
* 16- or 20-ft. lengths
Featherlite Model 5115 Tilt Bed Trailer
* Hydraulic assist for easy loading
* 16-ft.-long by 80-in.-wide trailer bed
* 2-in. treated wood floor
* Available as a bumper pull or gooseneck
* Numerous options available
Tiger Line Safety Tow
* Designed to move bulky items
* 4,215- and 5,332-lb. GVWR
* Electric brakes and hand winch are standard
* Two models with 3,000- and 4,000-lb. payload capacities
Loading Ramps from Link Mfg.
* High strength aluminum extrusion
* 1,000-lb. capacity
* Widths up to 36 in.
* Custom sizes available
Towmaster Titanium Series
* Detachable trailers incorporate a non-ground bearing scraper profile gooseneck
* Available in 35-, 50- and 55-ton-capacity models
* Modular frame construction with fabricated cambered T-1 steel beams
* 10-in.-deep crossmembers with 4-in.-wide flanges
* Five-position load blocks for five-position ride height
Dethmers Solid Axle Rent-A-Kaddy RK200
* Synthetic fenders with rubber-mounted lights
* Balanced radial tires
* Safety chains for tow dolly and towed vehicle
* 2-in. ball coupler
* Three-point tie-down straps and ratchets
* 3,500-lb. GVWR on RK200 unit
Advance Metalworking Lift-A-Load Trailers
* Available in models rated from 4,400 to 15,000-lb. load capacities
* Tongue- or gooseneck-style hitches
* 52-in. maximum height at top of bed; minimum height of 4 in.
* 36-in. tailgate/ramp
Jet Tag Trailers.
* For small dozers, backhoes and excavators
* 10-, 15-, 20- and 25-ton capacities
* Bent D-rings for stronger vertical anchor point
* Spring-assisted ramps are self-cleaning and adjustable
Stellar X-Tra-Lift Xchange 3
* Pickup-mounted hydraulic loading device designed to provide expanded uses not available with a standard pickup box
* Hydraulic single-pivot hooklift capable of interchanging 9-ft.-long bodies with a total weight of 3,000 lbs.
* Allows for loading and off-loading and for dumping loads at up to a 45-degree tipping angle with an 8-ft.-long body
Load King Detachable Gooseneck Trailers
* 50-ton-net-capacity
* Low-profile, non-ground bearing gooseneck with 86- and 108-in. swing clearances
* 24-ft.-long by 102-in.-wide deck with 2-in. nominal apitong (open center)
* Full-depth outriggers with dual front and center hook-on
Landoll 435/410
* Four-beam trailer
* Triple or tandem axle
* Available in 48-, 50- or 53-ft. lengths
* Wider main beams for greater stability
* 6.5-degree load angle
* LED lights, additional crossmembers and two-sped landing gear are standard
Bri-Mar DIO-100 Dump Insert.
* Easy to install and interchange from truck to truck
* Powdercoated finish
* Eight stake pockets
* Double-acting tailgate
* 6,000-lb. GVWR and 2-cu.-yd. capacity
Towmaster Contrail C-10BL and C-12BL
* C-10BL (10,000-lb. capacity) and C-12BL (12,000-lb. capacity) skid-steer trailers
* 82-in.-wide deck
* Torflex axles
* Auto-Latch ramps (patent pending)
* Available in 14- or 16-ft. deck lengths (with 3-ft. beavertail)
Up-N-Atom Retriever Truck Body
* For hauling construction equipment
* Curved and hinged bed
* Air-powered lowering system
* Extremely low approach angle
* Adaptable to Class 6 or 7 chassis
* Carries up to a 13,000-lb. payload
* CDL not required in most states
Thatta Enterprises Trailer Line
* Flatbeds, hydraulic tilt beds and landscape trailer models
* 10,000-lb. front axle car hauler offers self steering front axle (forward and reverse) and a four-point design for increased stability and improved weight distribution
* Models available up to 12-ton GVW with front-axle brakes
* Low-profile or deck-over designs
TerraMarc Load-n-Lift Trailers
* Hydraulic trailers are suited for a variety of low-clearance, compact and mobile equipment
* Electric/hydraulic or manual hand pump
* Completely lower the deck to the ground for ease of loading and unloading
* Single-axle or double-axle models
* 51- and 81.5-in. widths
* 10-ft. 10-in. and 18-ft. 2-in. lengths