Non Medical Transport Insurance
Non Emergency Transportation Insurance
Non-medical transport vehicles are essential part of your business. Your company may depend on delivery vans, trucks and similar equipment to transport clients to and from key locations. Whether your company uses transport vehicles to move people, materials and supplies around for your own company’s needs, or you provide transport as a business service to others, you cannot afford to lose one of those vehicles due to an accident.
Protecting your transportation vehicles with the right types and amounts of commercial auto insurance can prevent your company from suffering the financial losses associated with having to repair or replace a vehicle. It can also protect you from having to pay large medical bills when a customer or a third party is injured in an auto accident that involves one of your company vehicles. Some of the business auto insurance options you should consider include:
- Liability Insurance – Commercial auto liability insurance is the most basic level of protection you can provide for your company. It protects you from the expenses that arise when you or an employee of your company is at fault in an auto accident with one of your non-medical transport vehicles. Basic liability insurance is required by law in most states, because when a driver is found to be at fault for an auto accident that driver is legally obligated to pay the expenses that arise from the accident. Commercial liability insurance pays for the cost of medical expenses when someone is injured, the cost of property repairs or replacement, and it can pay for your company’s legal expenses when defending your driver involved in the accident.
- Bodily Injury – The bodily injury part of your commercial liability auto insurance policy pays medical expenses for other people who were involved in an auto accident that you or your employee is at fault for. Bodily injury will pay a maximum per person amount or maximum amount per accident. It covers medical expenses such as ambulance transportation and emergency room care, hospital stays, lab and radiology test fees and related medical bills. Bodily injury also pays for doctor’s visits for follow up care, and prescription drug costs for the injured party.
- Property Damage – When auto accidents happen, one or more vehicles normally sustains some level of damage. If you or your employee is at fault for an auto accident with a company transport vehicle, the property damage section of your liability coverage will pay for the costs of repairing or replacing the other party’s vehicle.