Final answer:
The greatest risk for a driver who has not submitted hours of service records for more than 20 days is accidents due to fatigue. They may also face regulatory fines and increased insurance premiums.
Step-by-step explanation:
For a driver who has not submitted hours of service records for more than 20 days, the greatest risk is accidents due to fatigue. When drivers do not submit their hours of service records, it means there is no record of how long they have been driving and when they have taken breaks. This increases the likelihood of fatigue, which can impair their ability to drive safely and increases the risk of accidents.
In addition to the risk of accidents, drivers who do not submit their hours of service records may also face regulatory fines and increased insurance premiums. Regulatory agencies require drivers to keep accurate records of their hours of service to ensure compliance with driving time limits and rest breaks. Not submitting these records can lead to fines and penalties. Insurance companies may also consider drivers who do not submit their hours of service records as higher-risk and may increase their insurance premiums.