Commercial Vehicle Insurance Commercial vehicle liability coverage provides protection for any business/organization-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others. If your organization, or any of your employees have an accident in your organization's Mobile Health Clinic (medical or dental), your organization may be liable for bodily injuries, lost wages or any damage caused. Typical Coverage Includes: Bodily Injury Liability - Coverage for damages that involve bodily injury to others for which you become responsible under law. Property Damage Liability - Coverage for damage to property of others for which you become responsible under law. Medical Payments - Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile. Personal Injury Protection - Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided. Other coverage that may be obtained include: Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy. Collision - Protection for the collision damage to your vehicle and its equipment, subject to the deductible on the policy. Uninsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable. Underinsured Motorist - Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits. Additional Expense - Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental vehicles, food, lodging and other incidental expenses. Hired Vehicle Liability Coverage - Covers liability for vehicles hired under contract on behalf of or loaned to the named insured. Hired Vehicle Physical Damage - Coverage for a vehicle of any type, hired, borrowed or leased on a short term basis for use in the insured's operations. Employer's Non-Ownership Liability - Coverage for a private-passenger vehicle used in the organization of the named insured by any person, or the occasional and infrequent use of a commercial vehicle in the business by any of your employees. Commercial Vehicle Insurance Resource Thum Insurance is one of the nation’s leading specialists of insurance products, extended service contracts, and tire wheel coverage for health specialty vehicles and trailers. Thum has been approved by MHCN as a Corporate Member/Associated Services. Membership does not imply a recommendation or endorsement by MHCN of any product or service provided by Thum. The above information is published as a professional courtesy of MHCN.