Ah, the wonderful sounds of summer: the joyful chirping of birds, the slap of the beach, the laughter of children romping outdoors – and the melodies that warn neighborhood kids of all ages that the ice cream truck is arrived.
Ironically, that happy sound of music announcing the ice cream truck brings unspeakable sadness to some. For mothers, fathers and siblings of those children killed in a related accident, the sound will never be reconciled.
Although accidents may occur and the associated insurance coverage may result in financial protection, the dangers associated with this type of frozen mobile candy store and enthusiastic children who can’t wait to receive a preferred treatment require careful consideration. There are things parents, carers and ice cream truck operators can do to mitigate the risks of fatal accidents and serious injuries. These include installing multiple mirrors on the vehicle and a safety bar to prevent children from getting in the middle of the blind spot, as well as other safety mechanisms.
As for insurance companies, any equipment installed to prevent accidents can result in some form of discount on a commercial auto premium. It can also lower rates on an already discounted insurance package that combines commercial auto insurance with a business owner policy.
For ease of reading, we have listed below the various forms of coverage related to this activity.
Special commercial auto insurance for the ice cream truck sector
• Commercial civil liability coverage
Each state in the United States requires commercial liability insurance to protect companies from personal injury liability in the event of an accident. This cover also protects against liability for property damage when the other car is damaged or when buildings or other properties are damaged.
If the driver of an ice cream truck has caused an accident with damage to his truck, this insurance will help with repair costs or truck replacement costs if repair work is not an option.
• Coverage of medical payments
This insurance will help pay medical bills if the truck driver or passenger is injured.
• Uninsured / uninsured motor vehicle coverage
Coverage for uninsured or uninsured motorists can help pay for damage to the truck by another driver if he is uninsured or uninsured and cannot fully satisfy the repair or replacement bill.
For more information on insurance – commercial or business car – talk to an independent professional agency that has the interests of its customers in the foreground.
by M Wyzanski
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