Oil Rig Workers and Auto Insurance

Oil Rig Workers and Auto Insurance

Off-shore drilling in the Gulf of Mexico is a prosperous business at the moment. A large number of men and women work on the off-shore oil rigs. Staying on the rig for days or weeks at a time, spending so much time with their colleagues and performing a number of physically and mechanically intense tasks on a daily basis can have a major impact on employee health. Aside from the general risk of accidental injury from working with heavy machinery and the innate dangers of oil rig work, these schedules contribute a great deal of wear and tear and general fatigue to the employees, as well as the emotional stress of being away from one’s family for so long.

These health consequences have a number of effects on the employee’s lives, even outside of the rig. Oddly enough, automotive insurance is a major one. The health effects of working on an oil rig can lead to an oil rig worker paying higher premiums on their car insurance. The general fatigue and exhaustion when driving back home after a week or two weeks on the rig can lead to delayed reaction times, lack of focus, and other physical or mental errors that can result in traffic collisions or accidents, which in turn can affect the worker’s insurance prices. Similarly, a worker involved in an accident may be deemed a “high risk” driver, leading to other penalties and price increases. The time away from the rig can also contribute to maintenance issues that go unnoticed, leading to price increases and penalties for improperly maintained vehicles.

Such difficulties can result in a number of hardships for the oil rig worker. The first of which is the financial burden that can result. Higher insurance premiums are the most obvious cost, but there are a number of hidden costs as well. Should the worker be involved in an accident, they might have to pay for any medical bills for injuries they sustain, or other people sustain as a result. They may need to pay to repair or replace their vehicle or other vehicles involved. If there are others involved, then they may have legal fees, court costs, and settlements to pay. All of these instances may result in them losing out on income because they cannot be on the rig at the time, and may even result in their firing. If their vehicle is noted for poor maintenance, they will likely have to pay to have it repaired and maintenance is done properly.

The financial burdens of higher insurance costs may result in the oil rig worker losing some self-reliance. They may be required to have their partner or child or even a friend or neighbor bring them to and from the departure point of the rig. They may not be able to own a vehicle at all, making life off the rig that much harder. They may be forced to rely on cabs and public transit to get where they need to go.

A third possible consequence of increased auto insurance is the desire to find a new career. If an oil rig worker takes a good look at the costs and benefits of working on the rig, finding that higher auto insurance may be the straw that breaks the camel’s back. You never know what things will drive a person over the line.