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FUNERAL VEHICLE INSURANCE

Owning your own hearse gives your company an edge. Whether you own a funeral home or an entertainment company, having a hearse allows you to offer services to your clients that competitors may not be able to. A funeral home is able to transport deceased people to their final resting place for example, so that the family and loved ones do not have to acquire that service themselves. An entertainment company can offer specialty drives, rides and events – particularly around popular holidays such as Halloween.

A hearse is an expensive investment for your company. It will give you a return many times over if you take care of it and keep it protected from harm. The last thing your company needs is to have the hearse unavailable to your customers because it was damaged in an auto accident. Protect it from loss – and your company from lost business – by carrying the right kinds and levels of commercial auto insurance. Here are the types of insurance you need to carry for your hearse:

Liability InsuranceLiability insurance is required by law. This coverage pays the damages inflicted on other people when your hearse causes or is at fault for an auto accident. Liability pays for other people’s injuries and other people’s car damages.

The minimum amount of liability insurance you are required to carry is set by state law. Liability is available in two variations however: Combined single limit policies or Split limit policies.

A combined single limit liability policy will provide pays and coverage for up to a set maximum amount per auto accident. This type of liability coverage does not distinguish between bodily injury and property damage costs.

A split limit policy sets specific limits for each area of coverage within the liability policy. With this type of coverage, your policy will pay up to a specified maximum amount per person involved in the accident for bodily injuries. It limits the total amount paid for bodily injuries amongst all people involved, and it sets a separate limit for the total amount that it will pay for property damages. For example, a split limit policy of $50,000/$100,000/$50,000 will pay $50,000 maximum on an individual person for bodily injuries but no more than $100,000 for all bodily injuries combined. It also pays no more than $50,000 for property damages per accident.

Medical PaymentsMedical payments insurance protects your hearse driver an any passengers when the vehicle is involved in an accident. This is a no-fault coverage, which means benefits are paid no matter who caused the accident. Medical payments will pay for the medical bills that arise for your driver and passengers due to the accident. This coverage is limited in availability. Contact one of our licensed representatives and we will help determine if it’s available to and appropriate coverage for your company.

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Physical Damage InsurancePhysical damages insurance protects your hearse from damages and loss. If the vehicle is damaged in any way that is covered by your policy, the damage protection insurance will pay for the cost of repairs or replacement. This prevents your company from having to pay those bills, and is particularly important  when you have an outstanding auto loan or lease on the hearse.

Uninsured or Underinsured Motorist - When another driver causes an auto accident, their insurance is supposed to pay for the medical bills and property damages your hearse suffers in the accident. If the other driver does not carry insurance however, you can prevent yourself from having to pay the repair and medical bills out of your own pocket with an uninsured motorist policy. Some drivers carry insurance but it is not enough coverage to pay for all of the damages and injuries they inflict in an accident. When this happens, the underinsured portion of your policy can make up the differences. Protection from these types of events is accomplished by carrying uninsured or underinsured motorist coverage on your hearse.

Other Important Commercial Auto Insurance for FUNERAL VEHICLE 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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