DID YOU GET HIT WITH A
382.215?
"Using Driver Known to Have Tested Positive for Controlled Substances." This isn't just a ticket. To Progressive and Geico, this is a character flaw.
WHY YOU'RE BLOCKED
Standard insurers view 382.215 not as a mistake, but as fraud. Their underwriting algorithms are hard-coded to reject this violation code instantly.
You don't need a "better quote." You need a Distressed Risk Specialist who understands that a logbook error doesn't mean you can't drive a truck.
RECOVERY PROTOCOL
- 01SAP Program Completion (Return-to-Duty)
- 02Follow-up Testing Schedule
- 03High-Risk Pool Only
The "Nuclear Option" Code
A 382.215 violation means a driver was caught operating a CMV with knowledge of a positive drug test. This is functionally a career-ender in the standard market. Most brokers (Amazon, CH Robinson) will auto-reject your MC number if this code appears on a recent inspection, even if you fired the driver.
The Problem: "Vicarious Liability"
Insurers are terrified of "Nuclear Verdict" lawsuits. If your company has a record of letting positive-testing drivers behind the wheel, a jury could award $10M+ in a negligence lawsuit. This makes you "Uninsurable" to 99% of agents.
The Recovery Path
You cannot "fix" this with a generic safety plan. You need radical separation.
- Termination Proof: You must provide the official termination letter and SAP (Substance Abuse Professional) referral for the driver.
- Zero-Tolerance Update: We rewrite your company handbook to include mandatory hair-follicle testing (stricter than DOT urine tests) to prove to underwriters you are cleaner than the law requires.
- The "Rehab" Policy: We place you in a high-deductible Surplus Lines policy. It will be expensive, but it buys you the 12 months needed to dilute the SMS score impact.
PROGRESSIVE SAID NO.
WE SAY YES.
We connect you directly with the 3 underwriters in the US who specialize in 382.215 recoveries. No judgment. Just coverage.