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2 weeks ago · by · 0 comments

Non-Emergency Medical Transportation Insurance 101: All you need to know

Managing a transportation business is not easy. Not only do you have to keep a track of the automobiles, but also, the passengers. The risk grows even more if a business handles non- emergency medical transportation (NEMT). This is why, learn how applying for non-emergency medical transportation insurance can simplify your business operations, minimize your financial liabilities and also, protect you from unpleasant surprises.

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5 months ago · by · 0 comments

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.

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5 months ago · by · 0 comments

Arizona State Rideshare Insurance

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 a breakthrough in legislation governing Uber, Lyft and other ridesharing app companies.

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5 months ago · by · 0 comments

Does Arizona Require Commercial Driver’s License for A TNC

Commercial Driver

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 driver’s license for a TNC?

Licensing Requirements

The question of does Arizona require commercial driver’s 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 always be in the driver’s possession the vehicle is in operation for commercial purposes.

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 driver’s 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.

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5 months ago · by · 0 comments

Cab Insurance Arizona

Taxi Image

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 transporting a paying customer. Proof of insurance must always be carried 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?

If 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 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.

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5 months ago · by · 0 comments

What Insurance Companies Are Competitive for Livery

Livery Transportation Insurance

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 several ways. Because these businesses rely on dealing with a wide variety of people daily, it’s virtually inevitable that situations will happen that result in the need for livery insurance coverage. 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 need 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 several different companies in order to get the best deals for their customers.

Contact an Agent Today

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. Professional Insurance Strategies will help you with this.

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5 months ago · by · 0 comments

Non-Emergency Medical Transportation Insurance or NEMT Insurance

NEMT Insurance

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.

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5 months ago · by · 0 comments

Non-Emergency Medical Transportation Insurance or NEMT Continued

As the healthcare industry of today continues to evolve, one aspect that has taken on greater importance has been non-emergency medical transportation. A service needed by people who are unable to use standard public transportation, there is no doubt the elderly as well as those who are disabled benefit greatly from this service. However, just as it is with any business, non-emergency medical transportation needs insurance coverage. When non-emergency medical transportation insurance for Arizona, Nevada, and California businesses is needed, there are a variety of factors to consider.

Types of Coverage

Because this type of business deals with a wide variety of clients, it requires various types of insurance coverage to ensure it can be protected in the event an incident arises. Some of the most common types of coverage for 

NEMT include:

  • Commercial Auto
  • General Liability
  • Directors or Officers Liability
  • Abuse or Molestation Coverage
  • Professional Liability

By making sure they have these types of coverage, non-emergency medical transportation companies can have peace of mind, knowing they are fully protected.

Industry Compliance

As is the case with any business related to healthcare, non-emergency medical transportation is highly-regulated and is required to be in compliance with many state and federal rules and regulations. Because of this, non-emergency medical transportation insurance for Arizona, Nevada, or California must be carefully analyzed to ensure it will allow the business to meet whatever guidelines are in its individual state. This is of particular importance when it comes to the company’s transportation managers, dispatchers, or other related personnel, since they possess high levels of responsibility within the business, and are entrusted with making sure the patients get from one destination to another in a safe manner.

Special Equipment Coverage

Since insurance requirements for Medicare, Medicaid, as well as state insurance agencies can vary greatly, they have many, many details associated with them. Therefore, it’s vital to have coverage for any special equipment that may be part of each vehicle. Whether it’s special seating, doorways, or lifts for wheelchairs or other mobility devices, having special equipment coverage can ensure your business will be able to have coverage for virtually any situation.

Obtain the Coverage You Need

To make sure your business is not facing a potentially costly legal situation, it’s crucial to obtain non-emergency medical transportation insurance for Arizona, Nevada, California, or other areas where this coverage is needed. By determining your needs, you’ll be able to meet whatever standards Medicare, Medicaid, or state insurance regulations require.

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5 months ago · by · 0 comments

Limo Insurance Nevada

Limo Insurance

If you are thinking about driving a limo Nevada, you need to understand the risks that you assume by doing so. As a limo driver, you may be transporting numerous passengers to a desired destination with each trip that you make. You may make at least several trips each day, so the number of passengers you serve can quickly mount. In addition, many areas of Nevada are highly congested, and you must think about the risk of accidents. As a driver, you may be responsible for any injuries to your passengers, and you could also be responsible for the damages that you cause to other motorists, pedestrians and more.

What the law says about operating a limo:

Before you drive your limo Nevada for commercial purposes, be aware that this state has special laws regarding insurance coverage. Specifically, Nevada law requires you to buy liability insurance. The amount of coverage required may be dependent on the size of your limo and the number of passengers that it can hold. Remember that you are still responsible for any expenses that you create that exceed the limits of your coverage. You should consider the benefits associated with buying more than the required amount of liability insurance.

Other types of coverage available

Liability insurance for a limo Nevada only pays for expenses that you create for other people. If your limo is your livelihood, you will need a way to pay for any repair work to your vehicle. Collision or comprehensive insurance are available for commercial vehicles. Collision coverage only provides benefits for a collision, but comprehensive insurance offers benefits for theft, weather-related damage, a collision, and many other situations. There are other types of coverage that may also be suitable. These include loss of income, personal injury or personal property, uninsured motorist, towing service and more.
As a limo operator, you must understand and comply with all legal requirements that are specific to your type of vehicle. Because the legal requirements often are not sufficient for all of your needs, it is helpful to explore the benefits of optional coverage. Remember that your premium for business-related insurance is deductible, so it can benefit you to purchase the most protective and beneficial coverage that you can afford. You can easily get a quote for commercial auto insurance that complies with the minimum requirements, and you can compare the cost against a quote for the full coverage that you desire.

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5 months ago · by · 0 comments

Arizona Taxi Insurance Requirements

Taxi insurance image

In today’s world, it’s more important than ever to have adequate insurance coverage. This is especially true for taxi drivers, who can find themselves facing a variety of situations while on the road day after day. However, with the Arizona taxi insurance requirements changing in many ways over the past several years, it may be hard to understand the current requirements. If you are planning to become a taxi driver and need to know Arizona taxi insurance requirements, here are some of the most important details.

Liability Insurance

Since all vehicles in Arizona are required to carry basic liability insurance, this naturally applies to taxis. Protecting the driver against the cost of damage to property or other people, it can be a crucial piece of protection in the event of an accident.

Uninsured and Underinsured Coverage

If a person who is responsible for the accident does not have insurance coverage or does not have enough insurance to cover the cost of damages, you’ll need to carry uninsured or underinsured insurance to make sure the costs of damages are covered. An especially important aspect of Arizona taxi insurance requirements, it is mandatory that all drivers in Arizona have this type of insurance.

Comprehensive Coverage

Covering damage that is caused by something such as a hailstorm or vandalism, comprehensive coverage is essentially an umbrella policy that covers almost anything else not covered under basic liability insurance. However, this insurance does carry a deductible with it, often averaging about $500. After the insured driver pays their amount of the damages, the insurance coverage pays the balance.

Collision Insurance

If your taxi happens to have a collision with another vehicle or strikes an object such as a deer, collision insurance can cover the damages. Although usually part of what is known as Full Coverage insurance, it falls under Arizona taxi insurance requirements for those wanting to drive a cab.

Passenger Capacity

As for the dollar amount of insurance Arizona taxi drivers are required to have on their vehicles, it can vary depending upon the passenger capacity. However, since most vehicles will be holding no more than three passengers, the amount of insurance is usually set at a minimum of $300,000. While more coverage can be purchased, most taxis go with this amount.
By making sure they have enough insurance for their vehicles, Arizona taxi drivers can be assured they will have protection in the event of an accident.

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