How to avoid costly limo insurance claims

In the limousine business, customers count on reliable service. When there’s an issue with your vehicle, you need to resolve it quickly in order to stay on the road. That’s why it’s important to have good limo insurance to protect you and your drivers against liability claims if they arise.

At Girard Insurance, we have the coverage you need to satisfy the state limo insurance requirements. And, we provide the industry’s quickest claim services. We also keep you up to date on the best ways to save on premium costs.

Here are the best ways to reduce limousine insurance claims

According to recent actuarial research, limousines involved in crashes and accidents are disproportionately represented in three key types of crash.

By addressing the reasons for the over-weighting of these three types, drivers and owners can reduce limo insurance claims and premiums.

Left-hand turns are dangerous

Research highlights the fact that even though accidents which happen during left turns are only 2.6% of all claims, they lead to nearly 22% of all claim amounts paid.

These accidents often happen when large slow-moving limos make left turns into oncoming traffic on two-lane roads. It is often difficult for drivers to gauge the speed of an oncoming vehicle, especially at night.

Drivers should be patient and wait to be sure all traffic has passed before turning left. You shouldn’t begin your turn until or unless you’re sure there’s enough time to safely complete it before oncoming traffic arrives.

Crashes in intersections

Similar to left-turn accidents, crashes in intersections can be costly because they often involve several vehicles. Although only about 6% of claims were made for crashes in intersections, nearly 13% of all claim payments were made for those accidents.

Most intersections are nominally controlled by signals or signs, but sometimes drivers distracted by cell phone calls and texting don’t see other vehicles.

It’s always best to drive defensively and assume the other driver doesn’t see you at any given time.

Also, because of the size and length of many limo vehicles, it’s important to beware of any “stale green traffic lights” at intersections which are about to change to red while you’re approaching.

You should cover your brake pedal and decide whether you should stop or continue before reaching the intersection.

Bicyclists and pedestrians

Sometimes a pedestrian or cyclist moves unpredictably into the pathway of a limo. This type of accident is the worst. Although it represents only a tiny fraction of one percent of all claims, still, it adds up to almost 4% of all insurance claim payments.

Drivers should expect pedestrians or cyclists to appear unexpectedly at any time. They should slow down, frequently scan from side to side, and be ready to stop quickly, especially around parked cars, where many limo accidents occur.

Work with the pros

At Girard Insurance, we have 25 years of experience in helping drivers avoid costly limo insurance claims.


How to save money on your fleet insurance


If your business relies on multiple vehicles, you need fleet insurance. Whether you own and operate a long-haul trucking company, taxi business or local delivery service, if you use more than a couple of vehicles, you’ll need fleet insurance to protect you, your business and your workers.

How can you save money when insuring a fleet? The answer is easy – Just work with a fleet insurance specialist like Girard Insurance.

Identify risks

Ask your insurer to analyze the claims history of your business. Experts here at Girard can identify patterns that may be adjusted or corrected in order to save money on your premiums.

Train your drivers

Training seems like a no-brainer, yet some businesses overlook it and assume that all licensed drivers are equally competent. Instead, driver training should be conducted regularly, and drivers should be quizzed about their understanding of how to handle specific situations when they’re operating company vehicles.

Be very selective about your workers

Drivers with ages between 17 and 20 are the most likely to lead to insurance claims. Not only are the claims from this age group more common, they’re also more costly. Premiums are nearly always less for drivers with at least 25 years of age, as long as they have a couple of years of driving experience.

And, it goes without saying that you should run background checks on all drivers – both before hiring them and then periodically during their employment – to make sure that their personal driving records don’t adversely affect your commercial insurance rates.

Take advantage of technologies that can save money

You already know how valuable technology is for roadway safety – Airbags, anti-lock brakes and safety glass windshields are taken for granted nowadays.

Yet, the insurance industry is constantly discovering and implementing new ways of improving vehicle safety and security. By using new technologies, you may be able to save a significant amount of money on your fleet insurance.

For example, front-facing cameras can help protect your company against both fraudulent claims and claims that your driver was at-fault in an accident. As well, rear-facing cameras and alert systems can help keep drivers from backing up into costly objects.

GPS and telematics

Commercial fleets benefit from GPS trackers, which can help locate stolen vehicles and their cargoes, as well as alert you if a driver is taking your vehicle “off the beaten path.”

And, telematics allow drivers to communicate with dispatchers and map out their routes, as well as help monitor compliance with speed limits and company policies. Plus, telematics can send data directly to your insurance company, offering an opportunity to save money on the cost of insuring a fleet.

Work with the best insurance company

The key to saving money on your commercial insurance premiums is to work with an industry leader like Girard Insurance. With more than 25 years of experience in commercial vehicle insurance, we’re known for providing the lowest quotes and the best claims service.

Have a question about insurance for your fleet? Just call us at 520-628-7888