Many people in California depend on buses and other forms of transportation to get to and from work as well as to be transported to other locations. The laws in California are very strict regarding that these vehicles must be adequately covered by insurance. They are called common carriers and the buses must have California bus insurance.
Common carriers, in California, are any vehicle that transports people whether it is an individual or public utility. Airplanes, buses, trains and taxis are the most used by the public. With the large population of the state and the number of common carriers in use, the laws are strictly enforced.
Anyone who reads the newspaper or watches television knows that there are accidents every day in one of the large cities in the state regarding common carrier transportation. With buses accidents can be caused by a fall, a door shutting too soon, an bus/car accident and many other things. Buses are required to carry insurance to cover such instances.
There are a large number of different areas to be covered by bus insurance. They are capped under Commercial Auto Liability, Physical damage and General Liability. These categories cover a range of accident possibilities which a bus company must have covered at all times. If a bus is in a auto shop for repairs and there is a fire or other accident the damage to the bus would probably be covered with the shop owner’s Garage and Garage Keepers Liability policy.
This coverage includes such things as property damage to a passengers belongings, bodily injury, emergency vehicles, repair to the bus and others. The amount of insurance for injuries caused by a bus accident depend on the policy carried, some go up to five million dollars.
Other things covered are physical damage/collision. This coverage takes care of repairs to the vehicle to get it back in running condition. The amount covering this mishap depends on the amount of the deductible so can vary considerably. This insurance assures the company that the bus will be back in operation as quickly as possible or replaced completely, depending on the damage.
Having an accident which results in injury can be very disrupting to a person’s life. In addition to suffering pain, they can also lose out on wages and accrue a great deal of expense. Should this injury occur on a bus the passenger is fully covered through the bus insurance policy. California requires all common carriers to have full insurance in effect should such an event occur. Proof of this policy is filed with the State of California each year.
Looking to find the definitive source of information on California bus insurance?
{ 0 comments… add one now }
Leave a Comment