Laws Regarding California Bus Insurance

Many people in California depend on buses and other forms of transportation to get to and from work as well as to be transported to other locations. The laws in California are very strict regarding that these vehicles must be adequately covered by insurance. They are called common carriers and the buses must have California bus insurance.

Common carriers, in California, are any vehicle that transports people whether it is an individual or public utility. Airplanes, buses, trains and taxis are the most used by the public. With the large population of the state and the number of common carriers in use, the laws are strictly enforced.

Anyone who reads the newspaper or watches television knows that there are accidents every day in one of the large cities in the state regarding common carrier transportation. With buses accidents can be caused by a fall, a door shutting too soon, an bus/car accident and many other things. Buses are required to carry insurance to cover such instances.

Buses need a range of coverage because of these numerous accidents. These would include Commercial Auto Liability, Physical Damage, and General Liability. The amount of the coverage for each of these depends on the insurance carried by the bus company. Should a bus be damaged while being repaired in an auto shop that proprietor would probably take care of the repairs with their Garage and Garage Keepers Liability policy.

Sometimes a passenger’s luggage or other important possessions are destroyed. The bus company has insurance to cover this possibility. In addition, bodily injury, emergency vehicles for injured persons, bus damage and a large number of other things are also covered. Injury liability policies sometimes cover up to five million dollars for an accident.

When in the bus business it is important that the entire fleet be kept running and in good condition. With the physical damage/collision part of the insurance package should a bus have to have extensive repairs suffered in a collision, it will be taken care of immediately. The amount of the deductible determines the amount that will be paid.

Each common carrier in California, including limos and school buses, must have full insurance coverage. This is for the protection of the passenger who has paid a fee for the privilege of being transported. In case of an accident every passenger is covered by the bus company’s liability policy in case of an injury to themselves or their belongings.

California bus insurance

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