Commercial Auto coverage may include liability only or may also provide physical damage coverage. The liability portion covers damage to other vehicles or property and injury to others in accidents for which you are at-fault. Auto physical damage covers repair of vehicles you own. Uninsured/underinsured motorist coverage may be purchased with the business auto policy and it provides coverage for accidents involving uninsured or underinsured motorists.
Enhanced Coverage of NONPROFITS OWN® Business Auto Liability
Summaries of key features only. Actual policy language will differ.
- FREE driver training (online and self-study)
- FREE fleet vehicle monitoring program
- Discounted motor vehicle record (MVR) checks available
- Combined single limit $1 million
- Umbrella limits to $10 million available
From the Claims Files
Uninsured Motorist:
The Nonprofit
A ride share organization.
The Situation
A nonprofit’s employee was traveling on agency business in a car owned by the nonprofit and was rear-ended by an uninsured motorist.
The crash was severe, pushing the nonprofit vehicle into the vehicle ahead. The employee’s neck and back injuries were serious and required two surgeries over an eight-year period.
The Resolution
While workers’ compensation for medical and disability benefits was in the six-figure range — and in some states not recoverable against an uninsured motorist claim — the employee was entitled non-economic damages under the nonprofit’s uninsured motorist coverage.
The claim was settled without the need for litigation.
Unsafe Lane Change:
The Nonprofit
A children’s symphony organization.
The Situation
A nonprofit vehicle made an unsafe lane change into a passing vehicle, which then went off the highway and crashed into a call box.
The driver and passenger in the other vehicle both brought injury claims and retained an attorney. Over a four-year period, each claimant incurred suspect medical treatment costs in the five figures.
The Resolution
By the time a court-ordered mediation was held, the claimants had fired two attorneys and hired a third. Demands at mediation were in the six figures before the claims were eventually settled in the five-figure range.
NIA incurred defense fees and costs in the five-figure range.
Right of Way:
The Nonprofit
A mentoring organization.
The Situation
A nonprofit vehicle entered a highway after stopping for a stop sign. The driver failed to notice a motorcycle traveling down the highway, which had no stop sign and the right of way. The motorcycle crashed and the rider was injured.
The Resolution
The claim was eventually litigated. The injuries were serious, and damages included a loss-of-income claim.
NIA settled the case at mediation for six figures, with legal expenses in the five-figure range.
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