If you are operating a non emergency medical
transportation (NEMT) business you must have to insure all of your fleet
vehicles and transportation insurance is really of great importance. And you
can do this through transportation insurance brokers that talk on your behalf
with transportation insurance companies. However, insuring all the vehicles can
be costly and the procedures you have to follow in order to keep your fleet
safe and your drivers properly trained are difficult and usually take too much
In case you are new to NEMT or you are
seeking to increase the number of vehicles in your fleet, there might be some
questions in your mind regarding NEMT insurance for vehicles and what is it as
your company develops and enlarges with the passage of time.
Here in this piece of writing, we are going
to introduce to you the NEMT insurance industry. By the way, click here if want to know about how
to operate NEMT business during the Covid-19 pandemic.
Well, NEMT companies even the ones that work
under federal contracts are typically governed by states where they operate. In
the majority of instances, NEMT operators have to get at the very least minimum
insurance level that is set by the state. Other than that, NEMT businesses that
make an agreement with state NEMT program administrators for passengers are
needed to have extra coverage. Anyway, non emergency medical transportation
insurance is beneficial and it carries a lot of transportation insurance
NEMT businesses, even those that operate
under federal contracts, are actually regulated by the states where they do
business. In most cases, NEMT operators must obtain at the very least the
minimum insurance level that is required by the state in which they operate the
business. On top of that, NEMT companies that contract with state NEMT
insurance program managers for passengers are often required to have extra
There exist a number of vehicle-related NEMT
insurance coverages a concerned businessman may select, for instance, basic
fault insurance for every vehicle or extra coverage that further secures your
fleet from harm and any sort of damage.
You might have observed with your own
vehicle’s premiums that the vehicle insurance has gone up during the last 10
years. For instance, in 2009 the average cost on a vehicle was $785. By 2020, that cost has gone up to more
than $1,300. While in 2021, full-coverage for vehicle insurance annually for a
driver with a reputable history in driving and a good credit record is $1,425.
Even a small violation of rules such as speeding ticket swiftly pushes that
average cost straight up above $1,790.
not an extensive list, NEMT insurance costs are based on a range of factors
Automobile upkeep and safety factors
The number of automobiles in your fleet
Number of drivers on your team
The experience levels of drivers and your
company’s as a whole history of safe driving
State and local requisites: geographic
conditions and other risks on the road
The number of previous insurance claims
registered, including at-fault accidents and other problems.
Your company’s risk reduction strategy (for
instance driver training and coaching, retraining and attestation) to reduce
the chance of accidents and other problems
For career driving services like NEMT
providers, other factors may be involved that influence your NEMT insurance
rates, for example, safety tools and other safety-related guidelines.
Don’t know what causes/triggers your NEMT
insurance rates to be so high?
Same as the personal auto coverage, bad
driving history, and the number of past claims can negatively impact your NEMT
insurance rates and cause them to go higher.
However, NEMT operators also have specific
aspects that can cause their NEMT insurance rates to go higher, irrespective of
how good their driver’s driving history is, and in case there have never been
other claims. Let’s take a glimpse of a couple of examples:
When talking about wheelchair and
stretcher-equipped vehicles, you should have in fleet wheelchair approachable
vehicles such as vans or buses you should have automobiles that are resourced
with stretchers just out of the gate, your rates could be higher than
transportation companies who use more usual cars and other vehicle types for
It is not the case that a wheelchair
available van is more probably to be in an accident in itself, it is about the
general risk of driving that sort of vehicle. Wheelchairs need extra training
and apparatus to securely adjust inside your vehicles. If the rider’s
wheelchair is damaged or in case your driver does not appropriately secure the
wheelchair, it may fall or turn over or become loose during transportation.
That puts in jeopardy your driver and rider.
The condition is the same for vans that carry
patients on stretchers. Also, patients who need wheelchairs and stretchers may
likely have other complex health problems that escalate your risks and hence
your insurance company’s possible liability—as you take them from one place to
Another aspect that can influence your rate
is the relation or balance between the number of vehicles you possess and the
number of drivers you have. The higher the number of vehicles you have on the
road and the more drivers you have put on work to operate those vehicles, the
higher your rate will probably be.
Here is how you can lower your rates:
Decrease in insurance rates differ from
company-to-company, but here are some basic concepts that may help you lower
Regularly train, and where suit, attest your
drivers for driver safety. This could involve defensive and protecting driving
methods, avoiding risks, avoiding unmindful driving, and drug and alcohol
Frequently or usually train, and where fit,
confirm your drivers for patients’ safety. This could cover Americans with
Disabilities Act (ADA) needs, how to handle a medical emergency, how to deal
with blood-borne germs, how to appropriately protect wheelchairs and
stretchers, what to do in an emergency situation, and how to ensure patient’s safety.
Collect your insurance strategies with a
Carry out regular vehicle uptake, with proper
documentation, on all your vehicles
Set up anti-theft gadgets in all your
After reading non emergency
transportation insurance process. It is to tell you that in such modern times
instead of traditional and manual ways, your business must be operated and
managed by an all-inclusive
designed especially for NEMT businesses by highly skilled NEMT Cloud Dispatch’s
professionals. If you need one, just call and talk with our sales team.