Auto Liability Insurance

Understanding Auto Liability Insurance

Auto liability insurance is a fundamental coverage for any transportation business. It protects your company from financial losses when your vehicles or drivers are responsible for accidents that cause bodily injury or property damage to others.

At InsureLimos.net, we specialize in providing comprehensive auto liability insurance tailored to the unique needs of transportation businesses, including:

Limousine services
Taxi operations
Transportation Network Companies (TNCs)
Non-Emergency Medical Transportation (NEMT)
Bus and motorcoach operators
School bus contractors
Sprinter and van services
Medical day care transportation

Why Auto Liability Insurance Is Essential

Auto liability insurance is not just a legal requirement—it's a critical protection for your business. Without adequate coverage, a single accident could result in financial devastation through:

Legal defense costs
Settlement payments
Medical expense reimbursements
Property damage compensation
Judgments from lawsuits

What Our Auto Liability Insurance Covers

Our auto liability insurance provides comprehensive protection for transportation businesses:

Bodily Injury Liability

This coverage applies when someone is injured or killed in an accident where your driver is at fault. It helps pay for:

Medical expenses
Rehabilitation costs
Lost wages
Pain and suffering
Funeral expenses in case of fatality
Legal defense if you're sued

Property Damage Liability

This coverage applies when your vehicle damages someone else's property. It helps pay for:

Repair or replacement of other vehicles
Damage to buildings, structures, or infrastructure
Damage to personal property
Legal defense for property damage claims

Coverage Limits

We offer a range of coverage limits to meet your specific needs and regulatory requirements:

Combined Single Limit (CSL): A single limit that applies to both bodily injury and property damage claims from a single accident.
Split Limits: Separate limits for bodily injury per person, bodily injury per accident, and property damage per accident.
High Limit Options: Coverage limits up to $10 million for high-exposure operations.

Additional Features

Our auto liability policies include several valuable features:

Legal Defense Coverage: Pays for attorneys, court costs, and other legal expenses even if a lawsuit is groundless.
Regulatory Filings: We handle all necessary filings with state and federal agencies (MCS-90, Form E, etc.).
Supplementary Payments: Coverage for bail bonds, loss of earnings due to court attendance, and other expenses.
Worldwide Coverage: Protection that follows your vehicles anywhere in the United States and Canada.

Meeting Regulatory Requirements

Transportation businesses must comply with various federal and state insurance requirements. We help you navigate these complex regulations:

Federal Requirements

The Federal Motor Carrier Safety Administration (FMCSA) requires specific minimum liability coverage based on the type of operation and vehicle capacity:

$750,000 for vehicles under 10,000 lbs. carrying non-hazardous freight
$1,000,000 for vehicles over 10,000 lbs. carrying non-hazardous freight
$1,500,000 for vehicles carrying 15 or fewer passengers
$5,000,000 for vehicles carrying 16 or more passengers

State Requirements

Each state has its own minimum liability requirements for commercial vehicles. Our team ensures your coverage meets or exceeds the requirements in all states where you operate.

Filing Assistance

We provide comprehensive assistance with all required insurance filings:

MCS-90 Endorsement: Required for interstate carriers to prove financial responsibility.
Form BMC-91X: Proof of insurance for interstate carriers.
Form E: Proof of liability insurance for intrastate operations.
State-Specific Filings: Various forms required by individual states.

Risk Management Services

We offer comprehensive risk management services to help reduce your liability exposure:

Driver Qualification Programs: Guidelines for hiring and screening qualified drivers.
Safety Training: Resources for ongoing driver safety education.
Vehicle Maintenance: Recommendations for preventive maintenance programs.
Accident Response Planning: Protocols for handling accidents and minimizing liability.
Claims Analysis: Review of claims patterns to identify areas for improvement.

Claims Management

Our specialized claims team understands the unique aspects of transportation liability claims. Our claims services include:

24/7 claims reporting
Dedicated adjusters familiar with transportation operations
Rapid response for serious accidents
Proactive claims management to control costs
Assistance with accident investigations