What to Do After an Accident: A Guide for NEMT Providers Filing an Auto Insurance Claim

For non-emergency medical transportation (NEMT) providers, vehicle accidents can disrupt operations, impact patient care, and strain finances. Filing a commercial auto insurance claim promptly and correctly is essential to minimize losses and get your fleet back on the road.

1. Prioritize Safety First

Immediately after an accident, attend to the safety of those involved. Call emergency services if needed and move vehicles to a safe location if possible. This is critical even in terms of your eventual claim, as neglecting to do so could steepen losses and subsequent financial consequences.

2. Document Everything

Accurate documentation is key. Take photos of the scene, vehicle damage, road conditions and any injuries. Collect contact and insurance information from all parties involved and gather witness statements if available.

3. Notify Your Insurance Provider Promptly

Contact your commercial auto insurer as soon as possible. Delays can complicate the claims process or even result in denial. Provide all relevant details, including the police report number, if applicable.

4. Understand Your Policy

Review your policy to understand coverage limits, deductibles and exclusions. NEMT businesses often carry customized coverage, such as for medical equipment and passenger liabilities. Make sure you know what’s included in your policy.

5. Coordinate with Your Claims Adjuster

Your insurer will typically assign a claims adjuster to assess the damage and determine liability. Be cooperative and transparent. Provide all requested documentation and keep records of all communications.

6. Mitigate Downtime

If your vehicle is out of service, ask your insurer about rental reimbursement or downtime coverage. Having a contingency plan, such as access to backup vehicles, can help maintain service continuity and limit financial losses.

7. Track Expenses and Repairs

Keep detailed records of repair estimates, invoices and any additional costs incurred due to the accident. These may be reimbursable under your policy.

9. Review and Learn

After the claim is resolved, conduct an internal review. Identify any safety or training improvements that could prevent future incidents.

Learn More

By staying organized, proactive and informed, your NEMT business can recover faster and ensure the claims process is as efficient as possible.

If you operate an NEMT business in Chicago, IL, contact Transglobe Insurance Agency today to discuss the claims process and confirm you have appropriate coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.