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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 InsuranceLiability 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.

Medical PaymentsThis is business auto insurance that protects your paratransit driver and all passengers who are in the vehicle at the time of an auto accident. If anyone is injured, regardless of who is at fault for the accident, medical payments coverage will pay for the associated medical bills. This coverage is not available in all areas. Call and speak with one of our licensed representatives to determine if it is a viable option for your paratransit insurance needs.

non-emergency transportation insurance
wheelchair transportation insurance

Physical Damage InsuranceThis insurance protects your vehicle directly. If your non-emergency vehicle is damaged or destroyed due to unexpected events and perils, this coverage can pay for the repairs and replacement of your vehicle. This is important for non-emergency vehicles that are not fully paid for, and those that are leased, because it provides the highest level of loss protection your company can get.

Uninsured or Underinsured Motorist - This insurance is ideal for your non-emergency vehicle transit service, because it protects you from suffering financial hardships that can be caused by other people. If another driver causes an accident with your paratransit vehicle and they do not have insurance - or they don’t have enough insurance – this coverage pays for the cost of repairs to your vehicle and pays for the bodily injuries of your driver and passengers.


Other Commercial Auto Coverage you may want to consider includes:


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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