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 Medical Transportation Insurance New Orleans