Non-Emergency Medical Transportation Insurance or NEMT Insurance

Non-Emergency Medical Transportation Insurance or NEMT

Ever since the passing of the Affordable Care Act, the federal law commonly referred to as “Obamacare,” more business opportunities have emerged for providers of ancillary services such as patient transportation. In states with higher populations of retirees, demand for patient transportation services has dramatically increased as Medicare as well as other subsidized programs.

In the Obamacare era, patient transportation services are thriving. Inquiries for non-emergency medical transportation insurance for Arizona, Nevada and California are at an all time high due to ongoing demand. Companies are investing in updated vehicle fleets; they are also incorporating features such as mobile apps for the purpose of offering more convenience to patients.

Getting patients safely from medical facilities and their residences and vice versa is an important benefit that health management organizations have always supported. In the history of Medicaid, the practice of arranging special transportation for patients dates back to 1966, when it was made part of an Early Screening strategy, which intends of lower the financial burden of public health services by making sure that patients do not have transportation obstacles when getting treatment. By providing non-emergency transportation, patients are encouraged to keep their medical appointments; this is part of an overall strategy to keep the population healthy.

Coverage of transportation fees will vary according to the insurance plan; for example, non-emergency ambulance transportation will be fully covered by Medicare for patients who are being treated for end-stage renal disease, which means that they will need dialysis sessions a few times per week. Furthermore, Medicare will cover non-urgent transportation in just about all cases when physicians take the time to write the need for such arrangements as part of the treatment plan.

Patients who are on the Part B Medicare program may have to pay 20 percent out of pocket for transportation; these are typically patients who require occasional services. For other patients who obtain insurance from the state or federal insurance marketplaces, similar conditions will apply.

Having adequate non-emergency medical transportation insurance for Arizona, Nevada and California is vital for entrepreneurs who plan to enter this lucrative segment. The liabilities are considerably higher when compared to other transportation services such as those provided by limousine operators. Non-emergency medical transportation insurance for Arizona, Nevada and California is not as costly as some people may think; a key element to scoring lower premiums is to follow the advice of insurance agents with regard to installing special equipment to keep patients safe.
Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051 Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086 Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

What Insurance Companies Are Competitive For Livery

What Insurance Companies Are Competitive For Livery

When it comes to the business of transportation, one of the most important aspects of these businesses involves having the proper insurance coverage. For those who operate commercial limousine services, bus charter services, or have a fleet of vehicles for other purposes, having livery insurance makes sense in a number of ways. Because these businesses rely on dealing with a wide variety of people on a daily basis, it’s virtually inevitable that situations will happen that result in the need for livery insurance coverage. In order to know what insurance companies are competitive for livery, there are a number of factors to take into consideration.

Coverage Limits
When a business owner is attempting to decide on the proper livery insurance, one of the first things to take into consideration is coverage limits. Whether a business has only one limo or a multitude of vehicles, knowing what insurance companies are competitive for livery can provide coverage limits from $5 million up to as much as $20 million, ensuring any business can be protected in the event an incident happens.

A Variety of Services
For businesses that are in need of insurance, determining what insurance companies are competitive for livery involves knowing what services are available. Some of the most common services used by personal transportation businesses include:
–Bodily Injury and Property Damage
–Physical Damage
–General Liability
–Garage Liability
Within these different types of coverage, some of the key components include uninsured motorist coverage, underinsured motorist coverage, medical payments, and personal injury protection.

Knowledge and Experience
Perhaps most of all, knowing what insurance companies are competitive for livery includes working with an insurance broker who has the knowledge and experience needed in this specialized area of insurance. By doing so, an agent can talk with you about the specific needs of your business, then tailor a policy that ensures as much coverage as possible for numerous situations. In addition to this, the best agents are often independent, allowing them to work with a number of different companies in order to get the best deals for their customers.

Contact an Agent Today
In order to have a complete understanding of what insurance companies are competitive for livery, the best thing to do is contact a knowledgeable and experienced insurance agent. By doing so, you and your business can begin to discover the many aspects of livery insurance, all of which can help protect your business in the event an accident or other incident occurs.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax

Cab Insurance Arizona

Cab Insurance Arizona

Operating a taxi can be a great way to make money in Arizona. People are always in need of rides to bars, to the airport or wherever else they need to go. However, it is important that you have sufficient insurance if you want to operate a legal taxi company or drive your own taxi within the law.

Cab Insurance Arizona Requirements

If you are going to operate a taxi in the state of Arizona, you must carry $250,000 of primary commercial coverage in addition to $250,000 of uninsured motorist coverage. However, this is only during times in which you are actually transporting a paying customer. Proof of insurance must be carried at all times and presented upon request to anyone who asks for it.

Cab Insurance Arizona Requirements When Not Transporting Customers

If you are driving a taxi in the state of Arizona without any passengers inside, your insurance requirements are the same as any other driver. This means that you only have to carry $25,000 of general liability for a single person and $50,000 to cover two or more people hurt in an accident. Furthermore, you must carry $20,000 of coverage to pay for any property damage that may occur in an accident.

What Happens After an Accident?

In the event that you get into an accident while driving a cab, an investigation will be performed. You are responsible for presenting proof of insurance and meeting all other requirements to act as a taxi driver or operator. Your cab insurance Arizona provider is also required to provide any information that would help an investigation proceed. After an investigation is complete, one party will be deemed to have been at fault, and legal proceedings may take place if applicable.

What Happens if Your Commercial Insurance Policy Lapses?

If your insurance lapses, you must either get a new policy or stop operating as a taxi. Your insurance company may allow you to renew your coverage automatically or otherwise alert you to the fact that your policy will lapse well before it actually happens. This gives you ample time to ensure that your policy remains valid.

Whenever you operate a motor vehicle whether for private or commercial purposes, don’t forget to have adequate insurance. It will help you avoid financial and legal penalties that can harm your personal finances as well as your ability to make a living driving your car.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax


Does Arizona Require Commercial Drivers License For A Tnc

Transportation network companies, otherwise known as TNCs, are becoming increasingly popular, and this includes companies like Lyft, Uber and Total Transit, to name a few. These companies each have unique reservation or transportation request methods, and they provide individuals with a fast, convenient and generally affordable way to get from one location to another. If you are thinking about becoming a TNC driver or if you are already a driver with one of these companies, you may wonder about licensing requirements. Does Arizona require commercial drivers license for a TNC?

Licensing Requirements
The question of does Arizona require commercial drivers license for a TNC is an increasingly common one, and this is because many people are using a TNC driving job as a way to make extra money on the side or even to earn a full-time living with flexible work hours. All drivers are required to have a driver’s license that is appropriate for the type of vehicle they are driving. Most will be driving their own private car, truck or SUV, so a standard driver’s license will suffice. However, there are insurance requirements that must be met for a TNC job.

The Basic Insurance Requirements
There are some insurance requirements in place for TNC drivers in Arizona. When providing personal transportation, the driver must maintain a liability policy of 25/50/20. This means that it provides $25,000 in benefits for bodily injury or death to one person, $50,000 for bodily injury or death to two or more people and $20,000 for personal property damage coverage. There are other requirements in place for TNC drivers in Arizona as well. For example, drivers must have a commercial liability policy of at least $250,000 per incident and insured motorist coverage of at least $250,000 per incident. Proof of coverage should be in the driver’s possession at all times the vehicle is in operation for commercial purposes.

In order to be in legal compliance on the road, drivers must be properly licensed as well as insured. Therefore, it is important to ask does Arizona require commercial drivers license for a TNC. Those who are thinking about becoming a TNC driver in Arizona can consider these points for both licenses and insurance before starting a new job. The licensing status and insurance will need to remain active while the driver is working for a TNC in Arizona.

 

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

 

Arizona State Rideshare Insurance

Today, ridesharing is more popular than ever, with companies like Uber and Lyft taking over a large part of the commercial driving business that was once only inhabited by traditional (and more expensive) taxi companies. Today, many people are avoiding the stress of dealing with traffic and of driving home from social events that involve drinking by utilizing rideshare companies. These new companies have seen explosive growth in recent times as they are easy to use and offer a largely safe and affordable alternative to taxis or driving a car.

One of the big issues involved in the growth of these newer ride sharing companies, however, is how they fit into the legal landscape once ruled only by the laws concerning commercial vehicles, like taxis. Since drivers for ridesharing companies use their own cars, or cars leased to them by the ridesharing companies, the legal issues involved with insurance in several states has been unclear. A new ruling pertaining to Arizona state rideshare insurance has just been put in place, however, and it is helping to clarify some of the complicated issues involved in the brave new world of ridesharing and the legal protections required.

New Insurance Bill Passed in Arizona for Ridesharing

While Uber and Lyft allowed many drivers to start driving for money without actually having a commercial license, the sticking point in states like Arizona has been the issue of commercial insurance, or lack thereof. Up until now, if a rideshare driver was in an accident, their own personal insurance coverage would not cover the costs of any damage or injury. Due to this, last year Arizona a bill was passed regarding Arizona state rideshare insurance that required rideshare drivers to carry commercial insurance.

The commercial insurance requirement bill seemed to solve the problem in Arizona of rideshare drivers being underinsured in case of accident, but ultimately it was cost prohibitive. To solve this, new legislation has been put in place that, while still requiring rideshare drivers to have commercial insurance, it can now be purchased as an add-on to their personal insurance policies.

There are now also similar laws passed in California and Colorado that cover the issue of having proper insurance in place for rideshare drivers. This has all come about due to the ongoing growth of the rideshare industry, and the many jobs it has created with its smartphone apps.

Arizona now sees itself in the forefront of states that are dealing head on with the complex issues involved with making ridesharing safe and legal, without hurting an industry that is quickly adding new jobs in the southwest. Arizona state rideshare insurance is definitely a breakthrough in legislation governing Uber, Lyft and other ridesharing app companies.

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

 

Adot Uber Changes

In recent years, the rapid ascent of Uber and Lyft has angered professional taxi drivers across the country, making them feel as if Uber and Lyft drivers have had unfair advantages due to a lack of regulations at the state and national levels.  However, as more complaints have poured in over recent months, one state that has taken action is Arizona.  The state’s Department of Transportation recently implemented numerous changes in the insurance requirements for Uber and Lyft drivers, with many of the drivers voicing their displeasure with the ADOT Uber changes.

Financial Responsibilities
What has set Uber and Lyft drivers apart from professional taxi drivers has been the large gap in financial responsibilities placed on the drivers.  As of July 3, 2015 those responsibilities changed dramatically, with the ADOT Uber changes making sure the playing field is level for everyone in the industry.  As of that date, Uber and Lyft drivers operating vehicles seating no more than eight passengers will be required to carry motor vehicle liability policies containing minimum coverage as well as uninsured motorist coverage in the amount of $250,000.

Software Applications
Because Uber and Lyft drivers rely on computer software to link up with those needing rides, insurance coverage will be critical when they are logged into their business software.  When a driver is logged into the software and actively available to provide transportation to customers, they are now required to maintain commercial coverage amounts of $25,000/$50,000/$20,000 as well as uninsured motorist insurance of $250,000.

Other ADOT Uber Changes
To make sure the insurance requirements are being met by Uber and Lyft drivers, ADOT has slightly changed the way it will conduct inspections of vehicles.  Random inspections and audits will be conducted every three years, rather than annually.  While seen by some as less stringent, others view it as a positive step toward getting Uber and Lyft drivers in line with more traditional taxi drivers and companies.  Working with insurance companies, other ADOT Uber changes include the provision that a motor vehicle insurance policy which has been in effect for at least 60 days may not be cancelled unless the person named on the policy is covered by a motor vehicle liability policy from another insurer.

While some Uber and Lyft drivers may object to these changes, taxi drivers working for traditional companies see the changes as a positive step in the right direction.  As more and more customers look to Uber and Lyft for rides, other changes may be necessary in the years ahead

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

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Adot Uber Changes-Phoenix Arizona, Houston Texas, San Diego CA

In recent years, the rapid ascent of Uber and Lyft has angered professional taxi drivers across the country, making them feel as if Uber and Lyft drivers have had unfair advantages due to a lack of regulations at the state and national levels.  However, as more complaints have poured in over recent months, one state that has taken action is Arizona.  The state’s Department of Transportation recently implemented numerous changes in the insurance requirements for Uber and Lyft drivers, with many of the drivers voicing their displeasure with the ADOT Uber changes.

Financial Responsibilities
What has set Uber and Lyft drivers apart from professional taxi drivers has been the large gap in financial responsibilities placed on the drivers.  As of July 3, 2015 those responsibilities changed dramatically, with the ADOT Uber changes making sure the playing field is level for everyone in the industry.  As of that date, Uber and Lyft drivers operating vehicles seating no more than eight passengers will be required to carry motor vehicle liability policies containing minimum coverage as well as uninsured motorist coverage in the amount of $250,000.

Software Applications
Because Uber and Lyft drivers rely on computer software to link up with those needing rides, insurance coverage will be critical when they are logged into their business software.  When a driver is logged into the software and actively available to provide transportation to customers, they are now required to maintain commercial coverage amounts of $25,000/$50,000/$20,000 as well as uninsured motorist insurance of $250,000.

Other ADOT Uber Changes
To make sure the insurance requirements are being met by Uber and Lyft drivers, ADOT has slightly changed the way it will conduct inspections of vehicles.  Random inspections and audits will be conducted every three years, rather than annually.  While seen by some as less stringent, others view it as a positive step toward getting Uber and Lyft drivers in line with more traditional taxi drivers and companies.  Working with insurance companies, other ADOT Uber changes include the provision that a motor vehicle insurance policy which has been in effect for at least 60 days may not be cancelled unless the person named on the policy is covered by a motor vehicle liability policy from another insurer.

While some Uber and Lyft drivers may object to these changes, taxi drivers working for traditional companies see the changes as a positive step in the right direction.  As more and more customers look to Uber and Lyft for rides, other changes may be necessary in the years ahead.

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

Cab Insurance Phoenix Arizona

Cab drivers interested in starting their own business should think about investing in quality cab insurance Phoenix Arizona to make the most of their business opportunities. When cab drivers invest in insurance, they are providing their clients with quality peace of mind. They can help set themselves apart from other professionals in the field by providing their clients with additional benefits. However, there are many different types of insurance that professionals can choose to invest in, and knowing what to expect can allow these specialists to make the right choice. Learn about some of the following types of cab insurance to see how you can optimize your business approach.

Third Party Insurance

A cab that has third party only insurance will be working with an insurance obligation that is the lowest type legally allowed for the driver. It is the cheapest type of insurance that the cab driver can choose and it cannot be used to cover personal damages or other important costs. It can be a good idea for entry drivers and those who are interested in a quick start to the field, but eventually individuals will need to invest in other, stronger types of insurance.

Breakdown Recovery

When professionals are ready to expand their operations, it is strongly recommended for them to look into breakdown recovery insurance. This is a must have for taxi drivers, as breakdown recovery insurance can help provide drivers with necessary support when their vehicles break down. For the amount of driving that taxi drivers will be doing when compared to other motorists, this type of insurance ends up paying for itself, especially after a lengthy career.

Public Liability

All motorists should be sure to invest in some type of public liability coverage. This is a more advanced option for the vehicle, and the greater that the coverage is, the more expensive it will get. However, if you ever find yourself in a position where you will be liable for different types of damages in court, this cab insurance Phoenix Arizona will help clarify your position.

Comprehensive Coverage

Finally, and perhaps most importantly, drivers should consider investing in comprehensive coverage. This is generally believed to be the most beneficial type of cab insurance Phoenix Arizona coverage that taxi drivers need. The comprehensive coverage will offer insurance for just about all types of road accidents, no matter whether the driver is held liable or not. The driver will be able to make claims for things such as theft, vandalism and other events.

 

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

Livery Insurance AZ

If you are going to offer transportation services to the public for a fee, you are going to need to do your homework concerning insurance. When it comes to livery insurance AZ, it’s more complicated and expensive than a regular insurance policy. It’s understandable. You are going to be responsible for the welfare of other individuals. Be sure to consider all of your options for livery insurance AZ before you make a final decision. You are not only covering yourself in the event of liability and financial losses. You are protecting your passengers in the event that there is a mishap on the road.

Turn to a Company that Specializes in Livery Insurance
Whether you own a limousine service, run a taxi station, or provide any other type of transportation for a fee, such as trolley service in a tourist area, you need to be sure that you are properly insured. Companies that focus on livery insurance AZ will help you to protect your assets and be prepared for anything that may go wrong while you are carrying passengers.

How to Find Livery Insurance Companies
As you search for livery insurance AZ, you have many resources at your disposal. They include:

State insurance regulator listings
Online search results
The Chamber of Commerce

Be sure to review all of your alternatives. You want to rest assured that your business is meeting all state regulations and that your insurance is comprehensive. Otherwise, you could find yourself dealing with catastrophic losses.

One Size Does Not Fit All
Turn to a company that has experience and has been established when you need livery insurance AZ. A livery insurance broker should understand your needs and offer you choices that are tailored to suit you. Your insurance company should be geared for the transportation industry and be able to offer you quotes that are related to the size of your business. Your policy should include all of the features that will satisfy you, including driver training, proper procedures for drug and alcohol testing for your drivers, and DOT compliance if you are operating a large business. If you are involved in a small business that only involves you as a driver, you can opt for a basic policy. Your livery insurance broker can help you to choose the best policy to meet your needs.

 

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

Limousines And Taxi Insurance

In most states, there is a requirement that drivers must obtain a minimum amount of auto insurance, and Arizona, California and Nevada are included in these states. While there are auto insurance requirements related to personal vehicles, there are also other auto insurance requirements in place for different types of commercial vehicles. Limousines and taxi insurance is a special type of insurance that is in place for commercial vehicles that carry passengers. If you are involved in a livery business, you must obtain the proper commercial auto insurance based on the state’s requirements in order to drive legally.

Do You Need This Type of Insurance?
The requirements for limousines and taxi insurance vary by state, and you may be wondering if you need this type of coverage. It is generally intended for vehicles that are used for a commercial vehicle to transport one or more passengers through regular work activities on a for hire basis. The coverage amounts and type requirements vary by state, but generally, there are requirements for both liability and personal injury coverage for limousines and taxi insurance. While you must comply with the coverage requirements to meet the legal requirements, the coverage also is beneficial from a financial standpoint. For example, the liability coverage may be beneficial if you cause an accident in your vehicle and must pay another driver’s expenses.

How Much Insurance Do You Need?
When you are involved in a livery activity for your business, it is important that you understand the different requirements for limousines and taxi insurance. The requirements can become detailed. For example, in Arizona, the minimum coverage amount is $300,000. However, this can increase based on the type of vehicle that you drive as well as the number of passengers you transport. Each state will also have different requirements. Therefore, whether you plan to operate your commercial vehicle in Arizona, California or Nevada, it is important that you obtain coverage based on the state’s requirements, the type of vehicle you drive and the number of passengers you transport.

Limousines and taxi insurance, which may also be called livery insurance, is a requirement, and you must obtain it in each of these states in order to operate your commercial vehicle legally. The cost of this insurance can be high, and this is particularly true if your vehicle will be used to transport many people. By comparing quotes, you can find the best rate on your livery coverage.

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

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