Shreveport Non Emergency Medical Transportation Insurance — For New Business Ventures

Shreveport Non Emergency Medical Transportation Insurance

If you’re searching for Non Emergency Medical Transportation Insurance in Shreveport Louisiana or the surrounding areas you have found the right company!

We offer commercial insurance for new business ventures, established companies, and those who might be getting canceled for claim activity. (Limited availability)

Please call the agents of Jeff Davis Insurance by dialing 1-888-260-6801 Monday through Friday up until 4:30 PM. 

If you find us after hours click on our chat with us button to see if an agent is available or send us a request for information by clicking below:

Shreveport Non Emergency Medical Transportation Insurance — What Coverage Is Needed?

A commercial Auto Policy + General Liability Insurance are typically required for Non Emergency Transportation Companies.

The amount of coverage you need may be based on a number of factors such as:

  • The size and financial strength of your company?
  • Contracts you have with providers?
  • Are you participating in the Medicaid Program?

For example, if you are an approved Medicaid provider please note your minimum liability requirements for Commercial Auto Insurance per the state of Louisiana:

All NEMT providers have (at minimum) auto liability coverage of $100,000.00 per person and $300,000.00 per accident or a combined service limit of $300,000.00.

This policy will cover any automobiles (hired automobiles and non-owned automobiles). Providers will have a minimum of $300,000.00 of general liability insurance in the name of the business. Premiums must be pre-paid for a six-month period.

Proof of insurance is a notarized, original certificate of insurance which includes the dates of coverage and a 30-day cancellation notification clause. This certificate must be issued to the Bureau of Health Services Financing.

If your company participates in the Medicaid program your minimum limits are listed above, however if you provide services to a nursing home or other social service agency a greater amount of liability coverage may be necessary.

The final question that should be considered is the size and financial strength of your company.  Why is this important?

Let’s assume a NEMT Company’s revenues exceed $1 million per year and they exclusively work under the Medicaid program.  Would a $100,000 liability limit per person be sufficient to protect the ongoing revenue stream of a business earning over $1 million per year in the event of a significant claim event?

No.

The chances of accident increase exponentially simply for the fact more miles are driven by commercial vehicles.

What if an accident was caused by a driver employed by the NEMT company resulting in a $200,000, $500,000, or $1,000,000 claim and the NEMT company was deemed liable?

The insurance company would pay their maximum selected amount of $100,000 to the injured party.  The remaining amount would be the responsibility of the NEMT company itself.

It’s best to consult with your legal advisor to help you determine the amount of coverage you need to protect your business financially as the minimum amount required by lay may be insufficient.

Shreveport Non Emergency Medical Transportation Insurance — Contact Us Today.

To obtain information and quotes for Non Emergency Medical Transportation Insurance in Shreveport Louisiana or the surrounding areas call the agents of Jeff Davis Insurance by dialing 1-888-260-6801 Monday through Friday up until 4:30 PM.

If you discover our website after hours click on our Chat with us button to see if an agent is available or you may send a request for information by clicking one of the links below that best corresponds with your operation area:

Non Emergency Transportation Insurance New Orleans ­— New and Established Companies Welcome!

Non Emergency Transportation Insurance New Orleans

Are you considering opening a Non-Emergency Medical Transportation Company?  Or do you own an established NEMT and your New Orleans NEMT Insurance policy was just cancelled, or you received a GIANT rate increase?

If that is the case you should call the agents of Jeff Davis Insurance as soon as possible.

Please call 1-888-260-6801, use our online chat system, or send us a request for information about New Orleans NEMT Insurance by choosing a link directly below based on your operating territory:

NEMT Insurance New Orleans Louisiana — Why Few Carriers Offer This Insurance Part 4.

In our previous post we began to discuss why it’s so difficult to find insurers willing to provide NEMT Insurance in Louisiana and across the country.

The simple reason is based on the fact there is more exposure for liability claims for Non-Emergency Medical Transportation Companies versus a traditional business such as a contractor.

To highlight this fact, we shared a hypothetical situation examining a claim between a HVAC Contractor versus a Non-Emergency Medical Transportation Company involving the work vehicle hitting a minivan.

Let’s summarize what happened with our NEMT Company.

Stan works as a driver for Old Foggy Nonmedical Transport and as he is driving two elderly passengers to their doctor’s appointment, Ms. Jones and Mrs. Stone,

Stan is distracted by a phone conversation he was having with his ex-wife over a child custody issue.

Stan takes his eyes off the road for only a moment or two when he fails to notice a minivan suddenly stopped in front of him. Stan slammed on his brakes but it was too late!

Stan’s passenger van slams into the back of another van going about 20 miles per hour.

Stan walks away without a scratch thanks to his seatbelt and the airbag deploying but his passengers are not so lucky.

Both of his passengers are injured, Mrs. Stone more severely than Ms. Jones and two of the four passengers in the minivan Stan hit are also insured, a total of 4 are transported by life squad to the hospital.

After 1 year of back and forth negotiations between the 4 injured parties (2 in the minivan and 2 elderly passengers in Stans van) plus a lawsuit filed against Old Foggy Nonmedical Transport due to Mrs. Stone’s severe injuries, here is what everyone received as final settlements:

The passengers in the minivan Stan ran into who were injured, Jamie Stallworth, aged 19 a college student who had her collarbone broken was awarded $14,000 to cover the medical expenses and $5,000 for pain and suffering.

Jamie’s dad Eric settled for $31,000 for his broken arm, which included payment for medical expenses and his loss of wages for 9 weeks as he could not drive his tractor due to his broken arm plus pain and suffering.

Here is where it super got expensive for Old Foggy Nonmedical Transport’s insurance company.

Ms. Jones received a payment of $47,212 to care for her injuries and rehab with nearly $30,000 for pain and suffering, her attorney got 33% of the settlement.

Barry, Mrs. Stone’s attorney made out quite well with his contingency because he filed a lawsuit against Old Foggy Nonmedical Transport for her injuries which were quite severe.

Mrs. Stone broke a number of bones, including her hip, in the car accident as she was ejected from the van, the seat belt failed to restrain her when the accident occurred.

Mrs. Stone’s attorney Barry was able to secure a $700,000 settlement for medical and pain and suffering.

In our next post we will examine this accident and compare it to the accident for the HVAC company so it is crystal clear for our reader’s why Louisiana NEMT Insurance is so much riskier for insurers versus other lines of business they may offer.

NEMT Insurance New Orleans Louisiana — Call Jeff Davis Today.

If you are shopping for Non Emergency Medical Transportation Insurance in New Orleans you have found the right company!

The agents of Jeff Davis Insurance can help you no matter if you are a new business venture or an established company being canceled by your current insurer.

Call 1-888-260-6801 Monday-Friday from 8:30 A.M. until 4:30 P.M., use our online chat system, or send us a request for information about New Orleans NEMT Insurance by choosing a link directly below based on your operating territory:

Non Emergency Medical Transportation Insurance New Orleans — Having Trouble finding Insurance?

Non Emergency Medical Transportation Insurance New Orleans

If you’re having trouble finding Non Emergency Medical Transportation Insurance in New Orleans you are not alone!

This is a tough class of business to find commercial insurance for… especially for new ventures or Transportation Companies getting cancelled because of claims or other reasons.

If you are being canceled or you are a new company needing Commercial Auto and General Liability Insurance call the agents of Jeff Davis Insurance right now! 

We have access to underwriters willing to write a policy for your company in most cases.

You can reach our agents 1 of 3 different ways. 

  1. Call us direct by dialing 1-888-260-6801 from 8:30 A.M. until 4:30 P.M. Monday-Friday
  2. Use our online chat system
  3. Send us a request for quotes online

To Request Information Online Choose a Location Below Closest to Your Operating Area:

Non Emergency Medical Transportation Insurance New Orleans — Why Few Carriers Offer This Insurance Part 5.

In part 4 of Why Few Carriers Offer This Insurance we shared the claims result of an unfortunate accident that was caused because of distracted driving involving Stan who was working for Old Foggy Nonmedical Transport.

Stan, up until the point of this tragic accident, was an exceptional driver and employee of Old Foggy Nonmedical Transport.  He always showed up on time for work and rarely if ever called in sick.

In addition, he was respectful and well liked by clients he transported.  Taking his eye off the road for only a moment led to the accident that resulted in nearly a $900,000 payout.

Let’s examine the total payout for the Non-Medical Transportation company and compare that to the payout for the HVAC Company:

Insurance claim Payout for Old Foggy Nonmedical Transport = $827,212.

Insurance claim payout for Acme HVAC LLC = $50,000

The carrier insuring Old Foggy Nonmedical Transport paid out 16 times more money versus what was paid out by the HVAC company for accidents that were similar.

Why so much of a difference?

The disparity is based on the fact that both passengers and those injured by Stan in the minivan were able to collect on the policy insuring Old Foggy Nonmedical Transport.

In the case of the HVAC company only those Rick (employee and driver of Acme HVAC LLC), hit in the minivan were able to collect under the HVAC company’s insurance policy limiting the HVAC company’s liability exposure.

But wasn’t it true that one of Rick’s fellow employees, Tony, was injured also because of Ricks negligence?

Yes, that was true, however because Tony is also an employee of Acme HVAC LLC, Tony could not collect under the commercial auto insurance policy insuring Acme HVAC, why?

It’s based on the fact that commercial auto policies exclude coverage for injuries of those eligible to collect under workers comp insurance. Tony’s injuries, even if they were significant, would be covered by workers compensation insurance, not the commercial auto policy.

Old Foggy Nonmedical Transport’s passengers, Ms. Jones and Mrs. Stone, are not employees of the transportation company so they would not be excluded from collecting under the commercial auto policy of Old Foggy Nonmedical Transport.

This is where it got really costly for the insurer providing coverage for Old Foggy Nonmedical Transport, and hence the reluctance of carriers who are willing to offer Louisiana NEMT Insurance.

There is one other factor that makes this insurance pricey that we will discuss in next months post.

Non Emergency Medical Transportation Insurance New Orleans — Three Ways to Request Quotes.

When you need Non Emergency Medical Transportation Insurance in New Orleans or the surrounding areas you should without any hesitation contact the agents of Jeff Davis Insurance by phone call, use our Chat System or request information online by clicking the specific link below that matches up with your operational area:

Call — 1-888-260-6801 until 4:30 P.M. Monday-Friday

Chat — Click our yellow Chat button on the right side of our website.

Online — Send us an online request for info 24/7. Choose Below:

Non Emergency Transportation Insurance Baton Rouge

— Call 1-888-260-6801

Non Emergency Transportation Insurance Baton Rouge

Are you looking for Non Emergency Medical Transportation Insurance in Baton Rouge Louisiana or the surrounding areas?

If so, there are three different ways to request information and quotes for this specialized type of coverage.

  • Call 1-888-260-6801 Monday through Friday up until 4:30 PM.
  • Use our online chat system
  • Send us an online request

Jeff Davis Insurance offers NEMT Insurance in Baton Rouge and throughout the state of Louisiana.

Send your online request using any of the below links. Please use the link that matches up to your operating area or the closest vicinity:

Non Emergency Transportation Insurance Baton Rouge — Having Trouble Finding Coverage?

If you’re having trouble finding coverage for NEMT Insurance in Baton Rouge you’re not alone.

Very few if any insurance carriers are willing to underwrite policies for Nonmedical Transportation Companies because the potential claim payouts are much greater versus traditional companies using vehicles in their business.

We carefully considered this issue by considering a fictitious claim scenario between two different companies.  Old Foggy Nonmedical Transport vs Acme HVAC LLC.

Insurance claim Payout for Old Foggy Nonmedical Transport amounted to $827,212 vs $50,000 for Acme HVAC LLC…a HUGE difference.

Why is there such a large disparity between the two in claim payouts?

The liability portion of the Commercial Automobile Insurance Policy includes coverage for Bodily Injury and Property Damage that kicks in automatically when liability is accepted because of a claim event.

The passengers in the minivan that were driven by Stan + those in the minivan Stan hit were both able to collect on the policy insuring Old Foggy Nonmedical Transport.  

In contrast only the passengers in the mini van that Rick hit in the case of Acme HVAC LLC were able to collect.

One other factor applies as well.  Passengers of Nonmedical transportation companies may already be in poor health and susceptible to greater harm or injury because of their existing poor health conditions making claim payouts greater.

It’s simply more risky for the insurance company to offer insurance for a Transportation company versus a tradition company such as our HVAC example.

This fact really scares insurance companies away.  Insurers are really no different than any for-profit enterprise — they want to make money!

If there is a chance for decreased earnings or even losses that harm the bottom line, most insurance companies will avoid offering lines of business such as NEMT Companies that have the potential to decrease earnings.

There is one other factor that comes into play making this line of business very pricey.

As we have considered few Insurance underwriters offer Louisiana NEMT Insurance. 

When there are few competitors offering any type of product or service — including insurance there is no reason for companies to compete.

Few competitors = higher pricing. It’s simple economics. 

Non Emergency Transportation Insurance Baton Rouge — Call Jeff Davis Insurance.

We offer NEMT Insurance in Baton Rouge and all Parishes of Louisiana.

Call us direct by dialing toll free 1-888-260-6801 Monday through Friday up until 4:30 PM.  If you find our website after hours use our chat system or send us a request online by using any of the below links:

NEMT Insurance Louisiana — Coverage for New Companies Available!

NEMT Insurance Louisiana

If you are looking for NEMT Insurance in Louisiana then you should contact the agents of Jeff Davis Insurance right away!  We offer coverage for new ventures and well-established companies looking for Louisiana NEMT Insurance.

You can reach us one of three different ways: 

  1. Call toll-free by dialing 1-888-260-6801
  2. Use our chat system to speak with a licensed agent,
  3. Send us a request for quotes 24 hours per day when you choose one of the links under City Quote Links

Jeff Davis Insurance has served the needs of business clients for more than 50 years in the state of Louisiana!  We offer great coverage options and low rates on NEMT Insurance in Louisiana.

Call, Chat or send us a quote request using our City Quote Links below:

City Quote Links

NEMT Insurance Louisiana — Why Few Carriers Offer This Insurance Part 2

In our previous post we wanted to share a comparison between a fictious HVAC company and a fictious Nonmedical Transportation Company from a risk standpoint to highlight why few insurers wish to offer this type of business.

Let’s briefly review what transpired with our HVAC company and discuss our Nonmedical Transportation Company scenario using an identical claim event.

Rick, an employee with Acme HVAC LLC caused an accident running into the back of a minivan causing $20,000 in property damages to the van itself + 2 of the passengers in that van were injured resulting in $50,000 in payouts for Bodily Injury. 

Rick is not injured but his workmate Tony, who also works for Acme HVAC LLC is injured.

The commercial auto policy will pay for the damages to the van Rick hit, plus the injury claims to the two passengers in the van. 

The commercial auto policy will not pay for the injuries to Tony because Tony is an employee of Acme HVAC LLC and is not eligible to be compensated by the commercial auto policy for his injuries. (This would be covered by workers compensation)  

The HVAC’s Insurance company pays out a total of $70,000 for this claim, the work truck being driven by Rick did not have full coverage so no money was paid for the damages to the truck.

Let’s now change our claims scenario to a Nonmedical Transportation Company named Old Foggy Nonmedical Transport.

Old Foggy Nonmedical Transport owns 6 vans and employs 8 drivers.  Stan the Man is a driver operating a 2005 Ford van that has a built in wheel chair lift and he has worked for Old Foggy Nonmedical Transport for 3 years. Stan has been an outstanding employee for the company and has a spotless record.

Stan has a number of clients to transport today as it is near the first of the month and he has a full schedule.  Stan has also been in a running battle with his ex-wife Veronica over child custody and they are fighting via text messages.

Stan is sending angry text messages back and forth with his ex-wife and being distracted because of his ongoing battle leads to a serious accident that same day.

In our next post we will consider what led up to this accident and the amount of money paid out by the policy insuring Old Foggy Nonmedical Transport.

Louisiana NEMT Insurance — Call Jeff Davis Today!

If you need Louisiana NEMT Insurance you have come to the right place!

Call our agents by dialing 1-888-260-6801, chat with us, or send us a request for quotes anytime- day or night when you choose one of the links below:

Non Emergency Medical Transportation Insurance Louisiana — Call Jeff Davis Insurance

Are you looking for Non Emergency Medical Transportation Insurance in Louisiana?  If so, please call 1-888-260-6801 to speak with the agents of Jeff Davis Insurance or use our convenient chat system.

Jeff Davis Insurance is a leading Independent Insurance Agency in Louisiana offering a great program for Louisiana Non Emergency Medical Transportation Insurance and we have been serving the needs of business clients for more than 50 years!

Louisiana NEMT Insurance is a tough class of insurance to find in our state but not for the agents of Jeff Davis Insurance!

If you find a website after hours and you would like to request a quote please use our online quote request system by choosing the city closest to your actual location of operation:

Louisiana Non Emergency Medical Transportation Insurance — Why Few Companies Offer This Line of Business.

As we mentioned above Louisiana NEMT Insurance is not readily available with most insurers, in fact few companies offering Commercial Auto Insurance in our state would consider offering Louisiana Nonmedical Transportation Insurance.

Why?

Very poor claims loss history + this industry is subject to large and frequent claim payouts and is considered a “High Risk” industry.

Example — A Nonmedical Transportation Company uses personal vehicles and vans to transport their clients to doctors’ appointments and other places they wish to go and this exposure has greater propensity for claims.

How so?

Let’s compare a fictious HVAC company to a fictious Nonmedical Transportation Company from a risk standpoint.

Our HVAC company we will Call Acme HVAC LLC owns 2 work trucks and 2 employees operate the 2 work trucks.

The Potential Risk Exposure for the HVAC CompanyRick, an employee and driver with Acme HVAC LLC takes his eye off the road for just one moment and runs into the back of a minivan damaging the van and causing $20,000 in property damages + 2 of the passengers in that van are injured resulting in $50,000 in payouts for Bodily Injury. 

Rick is not injured himself but his work partner Tony, who also works for Acme HVAC LLC is injured.

In this instance the commercial auto policy insuring Acme HVAC LLC will pay for the damages to the van Rick hit, plus the injury claims to the two passengers in the van. 

The commercial auto policy will not pay for the injuries to Tony because Tony is an employee of Acme HVAC LLC and is not eligible to be compensated by the commercial auto policy for his injuries. (This would be covered by workers compensation)  

So, in this instance, the damage to the minivan and the injuries to those in the minivan are covered by Rick’s employers commercial auto policy, the injuries to Ricks fellow employee are not covered.

What would the liability exposure be if this were a Non-Emergency Transportation company versus am HVAC company in this instance?

We will learn the answer to this question in our next post.

Louisiana Non Emergency Medical Transportation Insurance — Call Jeff Davis Insurance Today!

When you need Non Emergency Medical Transportation Insurance in Louisiana you should call the agents of Jeff Davis Insurance by dialing 1-888-260-6801 or use our online chat system.

We are available Monday-Friday up until 4:30 PM CST by phone or chat.

If you find us after 4:30 PM or on the weekends please send us your request for information and quotes by using our online submission system.  Please choose the city closest to your actual location of operation:

Home Insurance Lafayette La — Top Rated Companies Want Your Business!

Home Insurance Lafayette La

Shopping for a better rate on Home Insurance in Lafayette Louisiana or the surrounding areas?

If so, the agents of Jeff Davis Insurance can help you out!

Please call 337-824-4455 or request an online rate quote around the clock when you click: Home Insurance in Lafayette La.

Jeff Davis Insurance offers great insurance options throughout the state of Louisiana!

As a leading independent insurance agency, we can shop the market among Top Rated companies that want your business!

We represent underwriting companies offering super low rates for drivers with no claims, accidents, or tickets, and insurers that don’t seem to mind if you have a few hiccups on your record!

However, as you are shopping around for Car or Home Insurance in Lafayette Louisiana there is something very important to keep in mind.

Home Insurance Lafayette La — Insurance is More Complicated Than You Can Imagine.

Insurance television commercials can actually make choosing the insurance you need much more difficult. Why is that the case?

The actual reason is quite simple. Certain insurance companies have turned the buying and selling of insurance into a mere commodity.

When we think of the word commodity one might think about grocery products that we buy each week in our local super market such as milk, eggs, bread, tea or coffee.

Let’s assume one of the items on your grocery list is coffee. As you walk down the grocery aisle where coffee is displayed you may find dozens of different brands. 

Choosing your coffee based on the lowest price may not yield the best taste. For instance, you may prefer a Colombian style coffee from a certain brand because in your opinion the taste is far richer.

As you are viewing all of the different Colombian brands you notice an unfamiliar Colombian brand called Cheapo Columbian and it’s a bit discounted in price compared to your normal brand and you think to yourself, “Let’s give it a try to save some money.”

The next morning as you brew a pot the aroma of Cheapo Columbian seems similar but as you take your first sip, swishing the coffee around a bit in your mouth something doesn’t seem right and you think to yourself “Hmmm this tastes funny.”

Not funny, ha ha, but funny different. Funny as if you don’t really care too much for your first sip so you dutifully take another, and another to see if the taste grows on you.

The taste of Cheapo Columbian doesn’t grow on you and you end up throwing the rest of your cheap Columbian coffee in the trash and making an extra trip to the store to purchase the coffee you prefer.

Insurance is a bit the same. Car and Home insurance policies come in a variety of different versions (flavors) and may not yield the same results.

For this reason, it’s pretty difficult to shop on price alone because if you choose the cheapest option — something could be missing that will give you a different claims results when you have a fire, or your roof gets blown off because of high winds, a tornado, or even a hurricane!

In the next series of articles, we will share some examples that you may find interesting so stay tuned!

Home Insurance Lafayette La — Call Jeff Davis Insurance Today!

As a full-service independent insurance agency, we can help you shop the market to help you find the coverage you need — no matter if you need high risk insurance because of too many home claims or if you have never had a claim and you qualify for the best rates on Car or Home Insurance in Lafayette Louisiana.

Why not call right now?

Here is our number: 337-824-4455 or if it is easier request an online rate quote 24 hours per day when you click: Home Insurance in Lafayette La.

Commercial Auto Insurance Lafayette Louisiana — Same Day Quotes Call Today!

Commercial Auto Insurance Lafayette Louisiana

In the market for better options for Commercial Auto Insurance in Lafayette Louisiana or the surrounding areas?

If so, look no further than Jeff Davis Insurance.

We are ready to help you find the best coverage for all your Louisiana Commercial Auto Insurance needs. Regardless of whether you operate a large fleet of vehicles, a single vehicle for your business or you are somewhere in between. We have solutions to meet your needs.

Call us for a quote today at 337-824-4455 or use one of the links below to send us your request for quotes and information. Please choose the hyperlink closest to your actual location below:

Commercial Auto Insurance Lafayette Louisiana — Pay Close Attention to Your Policy Exclusions!

Many business owners value knowing their commercial insurance provides some measure of protection for their business, however we have found that few take the time to fully understand their insurance policy exclusions.

Exclusions are the fine print in your policy that simply explains what is not covered by your insurance. Assuming everything is covered is never a good idea — because many types of claim events were never designed to be covered — for instance, intentional acts are never covered by a commercial auto policy.

Here’s the rub, some exclusions are not as easy to discern. Because of this we like to help our readers discern potential pitfalls by using claim scenarios.

In our last article, we were covering the fictitious example case of the unfortunate Hal Dingledorfer.

Commercial Auto Insurance Lafayette Louisiana — Part 11.

The dazed Hal Dingledorfer had just exited his truck on the highway in order to get a better look at the strange living barricade of what appear to be thousands of cattle blocking the highway in both directions, when something from the sky froze him in place.

A bright flash of light followed by a large sudden explosion behind his truck lifts Hal off his feet hurtling him backwards over the highway guard rail from a blast of energy that Hal would learn later was an exploding meteorite high up in the atmosphere!

Hal lay on his back in the hilly embankment below the railing stunned. He then begins to feel pain from his tumble down the hill wondering exactly what had just happened?

Was the country under attack from the Russians?  Was it a terrorist attack?  For a fleeting moment Hal wondered if it was space aliens? He had earlier in the day before picking up his load watched the second Cloverfield movie.

Hal slowing begins to move around a bit and apparently has suffered no major injuries, only minor lacerations. His ears however were ringing.  Realizing his hearing couldn’t be currently trusted, he decides to scale the embankment in order to observe what happened to his truck.

What does our shell-shocked trucker Hal Dingledorfer observe?  Don’t miss our next post.

Lafayette Louisiana Commercial Auto Insurance — We’ve Got You Covered!

Insuring your business and finding the right coverage can be difficult without the proper help. That’s why the agents of Jeff Davis Insurance have your back when you are searching for Commercial Auto Insurance in Lafayette Louisiana.

You can call us for a free quote anytime through the week Monday to Friday until 4:30 PM CST at 337-824-4455.

We also offer the links below to assist you in requesting a quotes online based on your location:

Lake Charles Commercial Auto Insurance — Great Rates and Better Service, One Call Away!

Lake Charles Commercial Auto InsuranceIf you are looking for Commercial Auto Insurance in Lake Charles Louisiana or any of the surrounding areas you have found the right place!

The agents of Jeff Davis Insurance are here to help you find great rates and even better service for your business insurance needs no matter if you own a fleet of vehicles or just need insurance for one vehicle.

We offer every type of commercial auto insurance including insurance for semitrucks, dump trucks, hotshots, insurance for contractors, and much more.

Give our office a call today by dialing 337-824-4455 through the week or if it’s more convenient use our online rate quote submit system by clicking one of the links below:

Lake Charles Commercial Auto Insurance — Previous Article summary.

Hal Dingledorfer is an owner operator and one who takes pride on getting his loads to their destination on time — regardless of the weather conditions.  Fortunately, Hal tends to stay in the south so he avoids most of the snow and icy conditions that are so common in the north during winter time, but upon occasion he finds himself driving in stormy conditions.

Hal’s latest scheduled run is taking him through one heck of a storm, in fact it’s the worst he can remember. Most of the drivers on the highway are pulling over trying to wait out the worst part as the storm hopefully passes by soon.

Hal powers through the storm. He needs to make his scheduled delivery on time. As Hal passes by the next mileage marker he can barely make out the sign because of the torrential downpour, he’s almost sure it’s 151 so that means he is only 20 miles away from his destination.  Now that we are caught up, lets find out what happens next.

Insurance Coverage Scenario — Part 6

Part of the highway veers sharply to the right about a mile and a half past mileage marker 151 and as soon as Hal makes that sharp turn what he sees scattered on both sides of the highway causes him to immediately slams on his brakes and he quickly pulls over into the emergency lane.

As Hal’s truck comes to a complete stop he glances down briefly to flick on his emergency lights switch.

Hal then opens his glove compartment box grabbing his flash light and reaches for his rain slicker directly behind the driver’s seat and quickly places it over his head pulling it down over his chest.

Hal then flips the hoodie over his head prior to opening the door and steps outside into the storm, slowing walking forward a hundred feet or so from his truck in the emergency lane sweeping his flashlight on both sides of the highway.

The storm begins to increase in intensity, rain, thunder, and flashes of lightning illuminate the scene as Hal feels the wind pushing him backwards as if trying its best to prevent him from walking any further.

Hal stops and simply stares as if partially hypnotized by the sight before him for a few moments before quickly recalling the other trucks, and in particular, cars that he drove past in the last 15 minutes or so that may not have the vantage point he has in his big rig.

Knowing he may only have a few minutes or so to warn other drivers of what they may run into shortly on the highway he starts to jog back to his truck to grab the emergency flares and as he reaches into his pocket to call 911 on his cell phone, he then sees something even more inexplicable.

Hal sees what appear to be streaks of light coming from the sky far above his truck and he freezes in place, forgetting the emergency flares and his interrupted 911 call.

What is Hal witnessing that freezes him in place?  Stay tuned for our next post.

Lake Charles Commercial Auto Insurance — Great Rates Are One Call Away!

When you need better options for Commercial Auto Insurance in Lake Charles the agents at Jeff Davis are one call or click away!

We offer all sorts of commercial auto insurance in Lake Charles and the surrounding areas including insurance for semitrucks, dump trucks, hotshots, insurance for contractors, and much more.

Call today by dialing 337-824-4455 Monday- Friday or if it’s easier use our online rate quote submit system by clicking one of the links below:

Commercial Auto Insurance Lafayette – We Can Lower Your Rates!

Commercial Auto Insurance Lafayette

Have your Lafayette Commercial Auto Insurance rates gone up? We may be able to find you lower rates with the same or improved coverage!

Contact us today, toll-free, at 337-824-4455 and request a free quote so that you can compare rates.

Are you a first-time commercial auto insurance buyer looking to find coverage for your new business venture? We can help you, as well!

Give us a call and allow us to shop the insurance marketplace for great Louisiana commercial truck insurance options that will be well-suited to your business’ needs.

If you have come to this page after our normal operating hours, you can still request a free quote!

Just click on the location below nearest to your area and fill out the form that opens up. Our agents will be alerted to your request soon.

Lafayette Commercial Auto Insurance – Coverage Scenario Part 20

Previously, in part 19 of our ongoing insurance coverage story, we began to compare the commercial auto insurance policies held by each of the towing companies we’ve been following up to this point.

On the one hand, we have TJ’s Titanic Towing, owned by Nick. One of Nick’s employees, Clarence, crashed into a deer one night, causing some serious damage to the tow truck he operates.

On the other hand, we have Slick Rick’s Quick Towing, owned by Rick. One of Rick’s employees, Buford, also crashed into a deer one evening, causing massive damage to the tow truck he operates.

Both companies have a type of Commercial Auto Insurance policy called Specified Causes of Loss. As its name suggests, the Specified Causes of Loss policy lists all the specific causes of damage that are covered, and any causes that are not listed are excluded from coverage.

Clarence’s accident was covered because TJ’s Titanic Towing’s policy lists “collision with a bird or animal” as one of its covered causes of loss.

Last week, we learned that Slick Rick’s Quick Towing’s commercial auto insurance policy does not list collision with a bird or animal as a covered type of loss.

So, unfortunately for Rick, Buford, and the employees of Slick Rick’s Quick Towing, much of the damage to the tow truck will not be covered. Rick’s insurance company denies the claim.

What does this mean for Rick and Slick Rick’s Quick Towing? And what is the lesson we can learn from this story? Find out in our next episodes.

Commercial Auto Insurance Lafayette – Call Us Right Now!

To get a free quote, call us right away at 337-824-4455 or request your quote online via our digital quote form.