What type of insurance coverage should I have if I am a school bus driver?
If you are a school bus driver in Maryland, it is important to have the proper insurance coverage in the event of an accident. Generally, all school bus drivers should have liability coverage to protect them in the event that they are found at fault for an accident. This type of insurance will cover the cost of damages for any individuals or property that may have been involved in the accident. In addition to liability coverage, school bus drivers in Maryland should also consider having uninsured/underinsured motorist coverage. This coverage will protect you in the event that the other party involved in the accident does not have enough insurance coverage. Furthermore, this type of insurance will help to cover the cost of medical expenses and/or the repair of your bus in the event of an accident. Finally, it is important to note that some states may also require school bus drivers to carry no-fault or personal injury protection coverage. This type of insurance will protect you and your passengers in the event of an accident, regardless of who is at fault. It will cover medical expenses and lost wages in the event that someone is injured. Overall, school bus drivers in Maryland should have liability coverage, uninsured/underinsured motorist coverage, and no-fault or personal injury protection coverage to protect themselves in the event of an accident. Having the proper insurance coverage can help to ensure that you are financially and legally protected in the event of any unfortunate incident.
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