Taxi Insurance in West Virginia
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Professional and Affordable Taxi Insurance in West Virginia
As in many states across the U.S., taxi drivers in West Virginia are required to carry a minimum amount of liability insurance coverage to operate legally. In addition to liability insurance, you may also need additional types of coverage such as collision and comprehensive coverage, depending on the type of transportation business you operate and your specific needs. Navigating local insurance requirements in West Virginia can be complicated, but our agents are well-versed in local laws and regulations and will ensure your compliance so you can operate with confidence.
Here at OTTIS, we are committed to providing our clients with reliable and affordable insurance coverage that meets their specific needs and budget. Whether you operate a taxi, limo, livery, shuttle bus, or NEMT service, we have customizable coverage options to protect your business from the risks of the road. We can tailor your policy to cover a single taxi or an entire fleet. Contact our specialized agents today to get the insurance coverage you need so that you can focus on the road ahead.
How Getting West Virginia Taxi Insurance Works
Common Questions about West Virginia Taxi Insurance
Are there different types of taxi insurance?
Yes, the three most common types of taxi insurance are third party insurance, third party fire and theft insurance and lastly, comprehensive insurance. Third party insurance is the most basic that covers the cost of compensating other people for injury or damage caused by your drivers, but not injury or damage to your drivers or vehicles. Third party, fire and theft insurance is a mid-range approach that covers everything listed in third party insurance plus damage to your taxi caused by fire or theft. The third type, which we highly recommend, is comprehensive insurance which covers all the above, plus protection for your drivers and vehicles.
What factors determine the price of taxi insurance?
The primary factors are: 1. The coverage you select; 2. The location of your business; 3. The specifics of your taxi cab(s), including the make, model, year and size of the vehicle, and the number of vehicles and drivers in your fleet; 4. Your business’ hours of operation and how many miles you drive each year; and 5. The driving record of your taxi driver(s).
Is auto insurance mandatory?
Yes, auto insurance is mandatory in every US state. However, insurance laws vary by state, so it’s best to visit your state government’s transportation website. Important note: taxi insurance is legally required as well if you drive a taxi for a living. Taxi insurance is extremely important in order to protect you, your car and your customers.
What is the difference between taxi insurance and regular car insurance?
The difference lies in what coverage is included in the policy. Auto insurance covers claims that result from an accident, but does not cover general claims relating to a company’s business practices. Taxi insurance covers the vehicle, the driver, and any passengers or bystanders should an accident occur. Taxi insurance can also cover vandalism, theft, fire, and damage from accidents that are the company driver’s fault.
Hear From Our Current Customers
“I have known the Oswald Insurance Agency since my teen years (well over 15 years!), and I cannot speak highly enough of David! He is helpful in the extreme, always goes the extra mile to find what is right for you, is caring and considerate, and just a joy to deal with! David is my most trusted advisor for not just insurance, but finances in general. If you’re looking for a trustworthy person/agency to deal with, look no further!”
– Rachel (Google Review)
“We have enjoyed a long time business relationship with Oswald Insurance. David has been such a value to our company over the years. David knows what he is doing. His whole staff is A+”
– Kristi (Google)
A Few of the Cities We Proudly Serve in West Virginia
- Charleston, WV
- Huntington, WV
- Parkersburg, WV
- Morgantown, WV
- Wheeling, WV
- Weirton, WV
- Martinsburg, WV
- Fairmont, WV
- Beckley, WV
- Clarksburg, WV
- Teays Valley, WV
- South Charleston, WV
- St. Albans, WV
- Vienna, WV
- Cheat Lake, WV
- And more!
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