Non-Emergency Transportation Insurance
Community Transportation Insurance
If you own and operate a non-emergency vehicle or paratransit company, you have a lot of details to keep track of. Like other taxi or shuttle type businesses, a paratransit company provides transportation on demand to customers in a given area. Your company may use small passenger vans to provide this service, or small busses fully equipped to transport handicapped and wheelchair bound customers.
As the owner of a paratransit business, your vehicles are critical to the success of your company. If one were to be damaged in an auto accident you would have to worry about the expenses involved with repairing it while also losing money each day that it is down. You can protect your non-emergency vehicles with the appropriate types of business auto insurance. Here are the most important types of paratransit insurance you should have:
- Liability Insurance – Liability insurance is mandated by law in most states. It protects other drivers from suffering financial losses when the driver of your vehicle causes an accident. This insurance helps pay for injuries and damages to other people when your paratransit vehicle is at fault for an auto accident. This business coverage comes in two specific pieces: Bodily injuries and property damages.
- Bodily Injury – When your non-emergency vehicle causes an auto accident, the bodily injury portion of your liability insurance pays for the cost of medical care for the victims involved. This coverage pays the medical bills and related expenses that are created for the other drivers and passengers not in your vehicle. Bodily injury insurance pays for the cost of emergency and ongoing medical care. It also pays for the expenses incurred for rehabilitation, physical therapy and recuperation. It pays the victims for pain and suffering, and if applicable it pays for lost wages due to time off work. When accidents cause fatalities, this coverage also pays for the victim’s funeral expenses.
- Property Damage – If your paratransit vehicle is at fault for an auto accident, the property damages portion of your liability insurance will pay for the cost of repairs that the other vehicles need.