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Transportation insurance is for different modes of transportation, including taxicabs, limousines, passenger vans, buses, private ambulances and other commercial vehicles that transport people back and forth, as well as wreckers. Regular auto liability insurance may not apply to these modes of transportation. If you are the holder of a transportation insurance policy, and your claim has been denied, an insufficient settlement was offered or your policy was unfairly rescinded, an attorney can assist you.
If you operate a transportation or wrecker service in Florida and are having a legal issue with your transportation insurance company, you can contact the Germain Law Group to represent you. Michael B. Germain is an experienced Tampa insurance lawyer who represents consumers to help them settle disputes with their insurance company. He is knowledgeable about all aspects of Florida insurance law.
Contact Germain Law Group at (813) 835-8888 or submit an online form to schedule a confidential review of your case. Germain Law Group represents clients throughout Florida, including Hillsborough County, Pasco County, Hernando County, Citrus County, Pinellas County, and surrounding areas.
Requirements for insurance are set by local governments. However, nearly all have some kind of requirement for liability insurance for vehicles-for-hire and tow truck services.
For example, in Hillsborough County, in order to obtain a certificate to run a public transportation or wrecker service, a person or company must have certain levels of insurance. The coverage must be for a certain amount, either for a combined single limit (CSL) or in split amounts.
For CSL for passenger vehicles, any type of vehicle other than a limousine, including taxis, basic support ambulances, and handicabs, must have a $300,000 limit. For split limits, they must have $125,000 bodily injury limit per each person, $300,00 for each accident and $50,000 for property damage for each accident.
Limousines must have a $1 million limit for CSL, or split limits of $500,000 for bodily injury per person, $1 million for property damage or $100,000 property damage per accident.
Wreckers have the same limits in Hillsborough County, except with $100,000 limit for personal injury. They are also required to have garage insurance.
This is only an example. Other local jurisdictions may have much higher or lower limits. For example, the Orange County Taxi Administration Program requires a combined single limit of $1 million for taxi drivers.
After an accident, you may rely on your insurance company to recover for damages. The insurance company may attempt to deny your claim or offer a settlement that is unsatisfactory. An attorney can negotiate for a result that addresses your needs, or, if necessary, take the insurance company to court.
Negligent defense is an issue that may arise. For example, a passenger may sue your company after an accident. The insurance company is obligated to protect your financial interests. However, bad decisions or actions on their part may lead to a judgment that exceeds your policy limit, leaving you on the hook for what is not covered. If your insurance company failed to keep your best interests in mind, an attorney can help recover your losses.
If you are having any kind of issue with your transportation insurance company, an experienced Tampa insurance lawyer can assist you in obtaining the recovery you need. Michael B. Germain possesses the knowledge and skill to take on the insurance companies.
Germain Law Group proudly represents clients throughout Hillsborough County, including Tampa, Sun City Center, Hunters Green, and surrounding areas. Contact Germain Law Group at (813) 835-8888 to schedule a confidential consultation.