We're talking auto insurance, not health insurance. In auto, accidents are judged by tier ratings, 1,2,3. A Tier one means UPS pays Liberty anywhere between $1000 dollars and $6000. A tier two, UPS pays Liberty $9000 to $18,000. A tier three is always $40,000. All of this is irregardless of fault, as legally defined by public traffic laws. Meaning, you and I are always at fault, and being a professional driver means we are to be untouchable. Failure gets real ugly. That's why I submitted a proposal last month for the new contract that states: no driver shall be charged or disciplined in any way for any accident they are not deemed LEGALLY at fault for. Period. If UPS doesn't want to pay $40,000 for a tier three that was in reality a fender ding and not their driver's fault, find a different insurance company. But stop abusing drivers because they don't want to pay their premiums.
I call this being a proactive union that is worth paying dues to, verses a reactive union we have now that may or may not save you. Like Overboard said, the union really has no say in whether or not you get charged or discharged.