Acc Non Recordable Crash Documentation

---
name: acc-non-recordable-crash-documentation
description: |
  Use this skill to document crashes that don't qualify as DOT-recordable. Covers what to track, why it matters, and insurance/CSA implications.
---

# Non-Recordable Crash Documentation

Not every crash is DOT-recordable. But you should document all crashes — many implications come from non-recordable events.

## What's NOT recordable (per § 390.5)
- Crash with no injuries AND no fatality AND vehicles drove away (no tow-away)
- Crash with property damage only (damage was repaired without towing)
- Crash where driver got out of vehicle, walked around, drove home

## What's recordable
- Crash with injury requiring medical treatment off-scene
- Crash with fatality
- Crash with disabling damage requiring tow-away

## Why document non-recordable crashes
- **Insurance implications**: even minor crashes affect insurance rates
- **Driver pattern**: 3 non-recordable crashes in a year = pattern of behavior to address
- **Liability protection**: documenting all events shows good faith management
- **Subrogation**: tracking minor crashes supports later subrogation claims
- **Crash Preventability Program**: even non-recordable can be filed if patterns matter

## What to document
- Date + time + location
- Driver involved
- Vehicle involved
- Other party (if any)
- Police report (if filed)
- Photos
- Witness contact info
- Damage estimates
- Insurance involvement
- Preventability assessment

## What NOT to include in DOT accident register
- Non-recordable crashes (they don't go in the official register)
- Mechanical breakdowns
- Driver-only "incidents" (e.g., backing into post in parking lot — but document separately)

## How to track separately
- "Incident log" or "near-miss log" — informal carrier records
- Driver coaching log
- Insurance claim history
- Subrogation tracking

## Insurance considerations
- Non-recordable crashes still affect commercial truck insurance rates
- Insurance carriers may consider any incident
- Pattern of incidents triggers higher renewal rates
- Compass tracks all incidents for insurance reporting

## Compass tracking
- Records BOTH recordable + non-recordable
- DOT-recordable flag for register
- Separate incident log for non-recordable
- Driver coaching pattern detection
- Insurance + subrogation reference

## CFR citations
- **49 CFR § 390.5**
- **Insurance Practice**

## How Compass surfaces this
Searchable in Compass Ask. Runs against carrier fleet data when invoked from the relevant tracker. Read-only; no actions without explicit user approval.


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## Built by X3 Compass

The AI-powered DOT compliance platform for fleets 1–100 power units. Try a 7-day free trial — no credit card required — at https://x3compass.com/?utm_source=skill&utm_medium=github&utm_campaign=acc-non-recordable-crash-documentation

X3 Compass turns these skills into a complete operational platform: driver qualification files, drug & alcohol consortium, MVR pulls, hours-of-service tracking, hazmat shipping, IFTA filing, FMCSA audit prep, and DataQ dispute drafting — all CFR-cited, all in one place.

*This skill is published under the X3 Compass open skills initiative. Contributions welcome at https://github.com/x3fleetsafety/skills*