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Owning your own ambulance is a big investment in your company. Ambulances are owned by private ambulance companies, medical practitioners and specialists, and private hospitals or clinics. Other businesses may use ambulances to provide additional services to their customers as well.

Buying and equipping an ambulance is a very large investment. If the ambulance is involved in an auto accident your company may suffer severe financial losses. Paying the bills that arise from an accident and paying to repair or replace your ambulance may be more than your business can handle at once. Protect the ambulance instead, by covering it with the right types and amounts of commercial auto insurance.

Liability InsuranceLiability insurance is the basic level of insurance required by law. This coverage is designed to protect your company from lawsuits when your ambulance is at fault for an accident. It protects you from litigation because it covers the medical and repair bills for victims involved in the accident. Liability insurance protects you in two critical areas: Bodily injury and property damages.

Liability coverage comes in two forms. You can select the type of coverage you want when you set up the policy – combined single limit or split limit – and at that time you also select the amount of coverage desired.

A combined single limit liability policy will pay up to the maximum coverage amount per accident. A split limit policy sets maximum benefits based on bodily injuries and property damages separately.

Medical PaymentsMedical payments coverage provides your ambulance driver and all passengers with medical coverage when an accident occurs. Benefits are paid for each person in the vehicle at the time of an accident regardless of who is at fault. This insurance is only available in some areas. Contact one of our licensed representatives to determine if it is available to, and appropriate for, your company’s commercial insurance policy.

ambulance insurance
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Physical Damage InsurancePhysical damages insurance protects you from losses and damages of your ambulance. If your ambulance is stolen for example, or damaged in a wind storm, this type of insurance can cover the cost of repairs or replacement. This insurance is particularly important if your company leases its ambulance, or if it is still paying off the finance loan.

Uninsured or Underinsured Motorist - When another driver causes an accident with your ambulance, that vehicle’s liability insurance is supposed to pay for your injuries and damages. When the driver does not carry insurance however, they are referred to as uninsured. When the driver does have insurance but it is not enough coverage to pay for the cost of your damages and injuries, they are referred to as underinsured. You can protect yourself from having to pay the repairs and medical bills out of your pocket by carrying uninsured or underinsured motorist coverage.

Other Important Commercial Auto Insurance for AMBULANCE includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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