This year was a milestone in my daughter’s life. She was finally going to get married to the man of her dreams. After months and months of planning and tears and anger from all members of the family everything was figured out. Except one of the most important things: the transportation. We had to figure out how to transport 25 people from our house to the church and then again to the reception. After scouring the Internet for ideas we finally landed on several limos.
While talking to one of the companies they explained that to keep my beautiful daughter and the rest of our family safe on this special day that we should probably buy limousine insurance. Being the father that I am, pretty much clueless, I was unaware that there was even such a thing. So after hours of hunting the internet and calling around I finally figured out the ins and outs.
I’m putting up this helpful guide in order to help the rest of the clueless patrons out there stay safe on their special days.
The most important thing that you need to know before buying limo insurance is that most states across the nation require limos to have liability insurance. This type of insurance protects the drivers and owners of the limos against damage to people or property. There are two types of liability insurance: combined single limit or split limit.
Basically combined single limit covers property and bodily injury. Split limit covers a certain limit of injury and limits how much the insurance will pay out.
The next piece of the puzzle is uninsured or under insured coverage. In laymen’s terms this means if your limo is struck by someone who is uninsured or cannot afford the damage coverage the limo company will take care of the balance.
Finally there is full coverage or collision and comprehensive insurance. Most companies carry this type of insurance because limos are expensive to run and maintain. This insurance covers anything from crashes, bodily harm to any other mistake that may have been made on your special day.
From now on my rule of thumb is to ask the company what kind of insurance they have. I want to make sure that nothing goes wrong with my special day and I’m sure you will too. Overall the wedding and the rides went off without a hitch. You’ll be happy to know that my little girl is married and safely riding off the airport for her honeymoon.
While talking to one of the companies they explained that to keep my beautiful daughter and the rest of our family safe on this special day that we should probably buy limousine insurance. Being the father that I am, pretty much clueless, I was unaware that there was even such a thing. So after hours of hunting the internet and calling around I finally figured out the ins and outs.
I’m putting up this helpful guide in order to help the rest of the clueless patrons out there stay safe on their special days.
The most important thing that you need to know before buying limo insurance is that most states across the nation require limos to have liability insurance. This type of insurance protects the drivers and owners of the limos against damage to people or property. There are two types of liability insurance: combined single limit or split limit.
Basically combined single limit covers property and bodily injury. Split limit covers a certain limit of injury and limits how much the insurance will pay out.
The next piece of the puzzle is uninsured or under insured coverage. In laymen’s terms this means if your limo is struck by someone who is uninsured or cannot afford the damage coverage the limo company will take care of the balance.
Finally there is full coverage or collision and comprehensive insurance. Most companies carry this type of insurance because limos are expensive to run and maintain. This insurance covers anything from crashes, bodily harm to any other mistake that may have been made on your special day.
From now on my rule of thumb is to ask the company what kind of insurance they have. I want to make sure that nothing goes wrong with my special day and I’m sure you will too. Overall the wedding and the rides went off without a hitch. You’ll be happy to know that my little girl is married and safely riding off the airport for her honeymoon.