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Owning your own wheelchair bus gives you many advantages as a business. Medical transport companies can offer front door transportation services to handicapped customers, hotels and tour companies can accommodate multiple people in wheelchairs, and taxi services can expand their customer base as well.

Buying a wheelchair bus is a smart investment for any company that provides transportation services to their customers. Keeping that bus safe and operational is an important part of continuing those services however, and the last thing you need is to worry about having it out of service due to an auto accident. There are a number of ways that you can protect the investment you have made by buying a wheelchair bus. Here are the most important types of commercial auto insurance you’ll need to provide that protection:

Liability InsuranceLiability insurance is required by law so that other people have recourse when your bus causes an accident. This insurance also protects your company from expensive lawsuits and litigation when your bus is at fault. Liability insurance will pay for the extra expenses that other drivers incur when your bus is at fault for an auto accident.  Extra expenses are generally caused by either bodily injuries or property damages.

Liability insurance is available at many different levels. You select how much coverage you want to protect your wheelchair bus with when you set up the policy. There are two types of benefits coverage: Combined or Split.

A combined limit policy will pay for injuries and damages up to the maximum amount allowed by your policy. A split limit policy pays separate maximum amounts for bodily injuries and property damages.

When you report an accident to your insurance company, you will be required to pay a specified dollar amount known as your insurance deductible. You choose the deductible amount when you set up the policy. The deductible is a monetary amount that your company pays for an accident that your driver caused. For example, if you select a $1,500 deductible then you will have to pay $1,500 out of your own pocket when an accident occurs. The insurance policy will pay any amounts accumulated over and above that initial deductible.

Medical PaymentsMedical payments insurance is very important because it provides for the cost of medical care and treatment to your bus driver and all passengers who were in the bus when an auto accident happens. This medical coverage applies no matter who was the cause of the auto accident. It is not available in all areas however, so be sure to contact one of our licensed representatives to see if it’s an option for your company’s commercial insurance policy.

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Physical Damage InsurancePhysical damages insurance protects your bus from a myriad of potential risks and harm. It is particularly useful protection if you lease your wheelchair bus or if you have not paid the full finance loan yet, because it provides you with the most loss protection.

Uninsured or Underinsured Motorist - When another driver causes an accident with your wheelchair bus, their liability insurance pays for any repairs needed, and any medical bills that result. If the driver does not have insurance however, or if they do not have enough insurance to cover the damages they have caused, your company could be left to pay the bills alone. You can protect yourself from this event by carrying uninsured or underinsured motorist coverage on your bus instead. This applies coverage similar to your basic liability policy, with your bus and driver or passengers benefiting instead of the other driver.

Other Important Commercial Auto Insurance for WHEELCHAIR BUS 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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