It’s that time of year – fall is here, and with fall comes changing leaves, hayrides and a chill in the air. Another part of fall is that school starts again! With school resuming, stress and worries resumes such as packing lunches, getting to soccer practice and finishing homework. One part of life that goes hand and hand with the school year for parents is the carpool. Families join together to shepherd their kids to and from school every morning and afternoon. If you drive carpool or your kid participates in a carpool, there are some things you’ll want to keep in mind regarding safety and insurance before you hop behind the wheel or let your kid be ushered off by another parent driving.
Nearly all car insurance policies include carpooling members. However, if you drive a carpool, the bottom line is that there are more chances for lawsuits regarding your car. The reason for the increase risk of being sued or lawsuits is that there will be more regular passengers in the car, and in turn – a greater risk of someone being injured. In order to cover the increased risk of injury in your car, you should consider getting additional liability coverage or adding an umbrella policy to your existing coverage. Extra liability coverage can help protect you and your finances in case another child in your carpool is injured or his or her property is damaged in an accident. You might also consider increasing medical payment coverage; this coverage would pay for any medical payments needed by children in case they are injured while you are driving.
It may also be worthwhile to get to know the parents of the other children in the carpool. That way, you can make sure that they have adequate car insurance and liability coverage as well before letting your child ride in the car with them. Parents who drive carpool tend to be friends, and if your child is injured in their car or by their driving error, you won’t want any awkwardness or difficulty over who pays for medical bills.
If your child is in school and you drive carpool, give us a call at 757-583-1828 for Virginia car insurance quote. We can help you figure out all you need to know to make sure you, your car and all of your passengers are protected on your way to and from school each day.