What type of insurance coverage should I have if I am a school bus driver?

If you are a school bus driver in Ohio, it is important that you have the right type of insurance coverage. The state of Ohio mandates that school bus drivers must have a minimum of $25,000 in liability coverage for bodily injury and property damage per person, and $50,000 in total liability coverage per accident. You should also consider having uninsured motorist and underinsured motorist coverage. This type of coverage will help protect you from expenses related to injuries caused by drivers who either don’t have insurance or don’t have enough insurance to cover all of the injuries. It is also important to have personal injury protection (PIP) coverage, which covers medical bills and lost wages for the driver and passengers of the school bus in the event of an accident. PIP also provides additional coverage for passengers if you are involved in a hit-and-run accident. Additionally, you should have comprehensive insurance coverage. This will cover expenses from incidents such as fires, vandalism, and theft. It will also provide protection for any other vehicle or property damage caused by you or your passengers during the course of your job. Lastly, you should think about purchasing coverage that offers additional protection in the event of a lawsuit. This type of coverage is sometimes referred to as an excess liability policy, and it can provide an additional layer of coverage if the amount of the claim exceeds the limits of your other insurance policies. By having the right type of insurance coverage, you can be sure that you are protected from financial losses in the event of an accident.

What type of insurance coverage should I have if I am a school bus driver?

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