Buying the right kind of group van insurance is important to provide coverage to passengers as well as your company. Because you are transporting a number of people in your van, an accident could bring some very large medical and property costs should, regardless of who is at fault. Trucking Insurance USA wants to help you get the right kind of coverage.
The Coverage Needed for Group Vans
Group van insurance consists of several different types of coverage rolled into one policy. Each state will likely have recommended minimums for each type of van. In order to know the required state limits, you will need to ask your Trucking Insurance USA agent to explain the laws in your particular state. The overall coverage that most states require includes:
Liability – this part of a van insurance policy covers commercial liability, which is divided into two parts:
- Bodily Injury – covers the medical costs of people in other vehicles who are involved in an accident with you. Other drivers of the van should be covered under this policy as well.
- Property Liability – covers damage to vehicles and other property listed in the policy.
Collision – provides coverage for your vehicle when in an accident.
Comprehensive – covers your van in the event of damage or loss from non-accident incidents. This may include fire, bad weather, vandalism, theft, and more.
Medical – this coverage pays for medical costs of the driver and any passengers when an accident occurs.
Uninsured/Underinsured – your state may require you to have coverage in the event that your van is involved in an accident with an uninsured/underinsured driver. Since medical bills may be high, this coverage is a necessity and most states will demand that you have it.
Other Coverage Your Van May Need
The above coverage is basic and should serve as the minimum coverage you need. Below are some additional coverage options from Trucking Insurance USA that are nice to have in case of an accident:
Towing and Rental – after an accident, vehicles are often no longer suitable to drive. A tow truck will take you to the shop for repair and the insurance company will usually help you find a replacement van for rent. They pay the rental fee for the rental as described in the policy.
Accessories – if your van has any special accessories, this coverage will pay for them should they be damaged or stolen.
Your insurance agent at Trucking Insurance USA is willing and able to recommend minimum as well as additional coverage for your business, or group. For more information about group van insurance as well as all of your vehicular insurance needs, go to TruckingInsuranceUSA.com.
So, What’s next?
We’d be happy to show you our personal touch. We will walk you
through the process of obtaining van insurance and find you
affordable options that address all of your needs. We can also provide you with
completely risk- and hassle-free quotes.
Trucking Insurance USA specializes in a wide variety of coverage’s including:
We are the very best at what we do,
because we understand what you do. Let us answer your questions and find you a
cost effective policy that will keep your business safe and save you money at
the same time.