Keeping Kids Safe on the Bus
The horn on the bus goes beep, beep, beep. . . at the person who just cut them off and braked to a halt too quickly, causing an accident.
School bus drivers have a lot of responsibility on their hands–up to 72 children to be specific. Thatโs right, the maximum capacity of a standard school bus can be up to 72 children. Can you imagine having that many lives in your hands? Youโd have to be pretty confident in your driving ability. Regardless of how well you drive, you canโt control how people around you are driving. The event of a school bus accident can be a tragedy.
Insurance for school buses differs from your typical automobile insurance, because it is a passenger transportation vehicle rather than a personal use vehicle. Because there are dozens of children that are at risk of getting injured, a commercial driverโs license is required for operating a bus.ย Fortunately, every state has specific legal requirements regarding the liability limits the busses must have. If a bus carries over 15 passengers, there is a required minimum limit of $5M in liability coverage, according to FMCSA, or Federal Motor Carrier Safety Administration. Even if there are 15+ kids on the bus, and all of them get injured, the insurance companies will not cover any exceeding fees. Though it is based on the districtโs decision, higher liability limits are available and highly recommended.
Insurers are beginning to offer specialized coverages to better insure the bus. For example, busses must carry special insurance for an instance involving a student harming or injuring another student, not just insurance coverage in case of an accident.
For parents, these specialized coverages and high liability limit requirements can be a relief.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Insurance Blogs
Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security
Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.
The Farewell Financial: Planning a Peaceful Goodbye
Beyond Goodbyes: A Guide to Navigating Funeral Costs and Life Insurance
Why Life Insurance Matters for Businesses
Death and the Business Owner: How Life Insurance Can Secure Your Legacy
Beyond the Grave: Burial Insurance vs. Life Insurance Explained
Don’t Be Buried by Confusion: Understanding Burial and Life Insurance
From Bronze Age to Boomers: How Life Expectancy Went From Meh to Magnificent
How Long Will You Live? A Look at Life Expectancy Throughout History (and Why You Might Need Life Insurance)
Beyond “My Beloved Spouse”: A Guide to Choosing Your Life Insurance Beneficiary
The Beneficiary Bunch: Understanding Your Options
Life on the Edge? How Your Hobbies Can Affect Your Life Insurance Rates
Beyond the Premium: Unveiling the Unexpected Links Between Hobbies and Life Insurance
Unveiling the Different Players (and Why We’re Your Guide!)
Insurance Companies: Not All Created Equal! Find Your Perfect Match with Our Help
Cracking the Code: Cash Value, Loan Value, Surrender Value – It’s All in the Life Insurance Policy!
Beyond the Death Benefit: Unlocking the Hidden Gems of Your Life Insurance Policy
Beyond the Payout: 6 Unexpected Perks of Life Insurance You Might Not Know
More Than Just a Payout – Unlock 6 Hidden Gems for Your Loved Ones