Do you need insurance coverage for one or more ambulettes? We can help. We get you in touch with three agents who understand medical transport insurance. They compete for your business and you save. Get started now!
Types of Ambulette Insurance Coverage
Medical transport is a risky business. There are many obvious dangers and many hidden dangers associated with the job. Drivers rush and get into accidents. Contagious patients infect your employees. It shouldn’t come as a surprise to anyone who owns ambulette that the business has its risks. Sometimes it’s your drivers are at fault and sometimes they aren’t. Impatient drivers have been known to try to cut cut corners, leading to accidents.
Since the injury and accident rates for ambulettes is so high, it’s important to get the right coverage. When you’re applying for policy with an EMS or non-emergency medical transport insurance company, you will be offered several different types of coverages — some will apply to you while others won’t. It’s important to know what to look for. You don’t want to be under-covered, but you also don’t want to pay too much. Here’s a quick guide on the different types of insurance coverages for ambulettes:
Automobile Liability – This coverage protects other people from accidents where you’re at fault. Liability insurance comes with two parts.
- Bodily Injury – This portion of automotive liability covers physical injury done to others. For example, if an ambulette strikes a pedestrian crossing the street, this insurance pays for their medical rehabilitation.
- Property Damage – This portion of automotive liability covers damage done to others’ property, like if your ambulette hits a parked car. It might be used to pay for repairs to other vehicles.
Physical Damage – This coverage protects your vehicle. If you’re in an accident, this coverage will pay for repairs or a replacement vehicle. So if one of your drivers swipes into a car parked onto the street, this insurance will pay for any damage done to your vehicle.
- Collision Coverage – A type of physical damage insurance, this coverage kicks in after an accident where your ambulette was in motion.
- Comprehensive Coverage – Another type of physical damage insurance, this coverage kicks in after other types of damage occurs. It can cover things like vandalism, fire, theft, or weather damage.
Medical Payments – This coverage protects your drivers and any passengers in your ambulette if they’re ever physically harmed.
Uninsured/Underinsured Motorist – If you are the victim of a collision, and the responsible party doesn’t have liability insurance to compensate you, this coverage kicks in and pays for repairs anyway.
How to Get Covered
It’s easy to get coverage for your medical transport business. Fill out this form and we connect you with three insurance agents. They each assemble a quote for you and you pick the one that fits your budget.