RURAL TRANSIT VEHICLE INSURANCE STUDY

This study examined organizations providing rural transportation services in Wisconsin to determine the difficulty they experienced in obtaining vehicle insurance and then examined insurance management as a means of controlling costs. Organizations involved include private, non-profit groups; agencies of county governments; commercial taxis; and two Indian tribes. Each fleet average 4.5 vehicles with an annual insurance premium of $2,500. It was found that coverage is generally adequate with over half buying at the recommended $1 million level. It was recommended that comprehensive liability coverage without limits be purchased, that there be no liability exclusion for fellow-employee suits; that there be no separate medical payments coverage which duplicates other insurance coverage; and that comprehensive coverage for vehicles be purchased in preference to more restrictive perils coverage. While coverage was found generally available and costs were reasonable, it was noted that conditions may change. If insurance does become more expensive and harder to find, it is recommended that more intensive training and safety programs be instituted, that there be checks of applicant and employee driver records, and that there be systematic solicitation of competitive bids. Social-service agencies may find it advantageous to band together with a single insurer to control costs and insure future availability.

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• Record URL:
  https://rosap.ntl.bts.gov/view/dot/607
• Corporate Authors:

  Office of the Secretary of Transportation

  Technology Sharing Program, 1200 New Jersey Avenue, SE
  Washington, DC  United States  20590

  Wisconsin Department of Transportation

  4802 Sheboygan Avenue, P.O. Box 7910
  Madison, WI  United States  53707-7910
• Publication Date: 1984-11

Media Info

• Features: Appendices;
• Pagination: v.p.

Subject/Index Terms

• TRT Terms: Cost control; County government; Drivers; Indian reservations; Legal factors; Liability insurance; Native Americans; Paratransit services; Rural areas; Safety; Social service agencies; Taxicabs; Training
• Geographic Terms: Wisconsin
• Subject Areas: Education and Training; Law; Public Transportation; Safety and Human Factors;

Filing Info

• Accession Number: 00451076
• Record Type: Publication
• Report/Paper Numbers: DOT-I-85-42
• Files: NTL, TRIS, USDOT, STATEDOT
• Created Date: Nov 30 1985 12:00AM