Non emergency medical transportation is classified as the transportation of any individuals where an emergency situation does not apply. The service is usually different from that of a taxi service due to the fact that there is more passenger assistance offered. The vehicles typically have the ability to accommodate wheel chairs. Passengers are typically physically handicapped or elderly. It is safe to say that if you have flashing lights and/or a siren than you are not classified as non emergency medical transportation. You would be considered emergency transportation at that time.
If the above describes your business than please read on for information on adequately insuring your business.
What types of insurance do I need?.
Commercial Auto Liability
This policy will cover you if you hit anyone or anything. It is very important that you make sure that your vehicle is not on a personal auto policy or your losses incurred can be excluded. A commercial auto policy will be required for losses that occur while you are using the vehicle for business use. Auto liability will cover bodily injury and/or property damages. It is also highly suggested that you carry medical payments on this policy at the maximum allowable amount by the auto insurance carrier. That way small accidents will cover any small injuries that your passengers may occur.
Physical Damage Coverage
This is simply the comprehensive and collision damage to your car if you are at fault in an accident. Again, you will want to make sure your policy is a commercial auto policy or coverage can be denied if you are using the vehicle for commercial use. You may want to inquire into coverage for any permanently attached equipment to your vehicle as well such as wheel chair ramps. In the event of a loss you want to make sure this equipment would be covered as well.
General Liability Insurance
General liability will cover any incidents that you are liable for outside of hitting other vehicles. If your passengers incur major injuries and you are sued, you will want to make sure you are protected. A general liability policy will cover these types of losses. These policies typically start at $1,000,000 per occurrence although higher limits are available.
Other policies that may be important for you can include workers compensation, professional liability, and excess or umbrella liability. We discuss each of these coverage in other articles. Please review those articles for a more detailed description of these coverage types.
You may have a contract that requires you to have certain minimum coverages. Typically you will receive what they call a sample certificate of insurance or insurance requirements documentation. You should forward that information to your insurance agent for review so they can help you get the coverages that you will need.
The State of NC will also have minimum requirements that will depend on the number of passengers you can transport, whether you are crossing state lines, and the gross vehicle weight of the vehicle. Keep in mind that the state minimum limits may be less that what you may feel is feasible to protect yourself. You should get quotes on different limits to see if the additional premium is worth your being better protected.
If you have any questions on non emergency medical transportation insurance or if you would like a quote, please feel free to contact us at 704-494-9495.