Skip to main content

Main navigation

Electric Insurance Company Logo
  • FILE A CLAIM
  • ONE-TIME PAYMENT
  • LOGIN
  • 800.342.5342
  • Search
  • Side Menu

Secondary Menu

Explore
  • COVERAGES
    • Back
    • Auto
    • Home
    • Umbrella
    • Flood
    • Recreational Vehicles
  • RESOURCES & TOOLS
    • Back
    • Risk Coach Tool
    • Great Driver App
    • eNewsletter Signup
    • Glossary
  • CUSTOMER SERVICE
    • Back
    • MyAccount
    • FAQS
    • Refer a Friend
    • Submit a Story
    • One-time Payment
  • CLAIMS
    • Back
    • Claim Central
    • Auto
    • Home
    • Liability
    • Roadside Service
    • Watercraft
  • GET A QUOTE
  • Coverages
    • Auto
    • Home
    • Umbrella
    • Flood
    • Recreational Vehicles
  • Resources & Tools
    • Risk Coach Tool
    • Great Driver App
    • eNewsletter Signup
    • Glossary
  • Customer Service
    • MyAccount
    • FAQS
    • Refer a Friend
    • Submit a Story
    • One-time Payment
  • Claims
    • Claim Central
    • Auto
    • Home
    • Liability
    • Roadside Service
    • Watercraft
  • Get A Quote
  • Careers
  • 800.342.5342
  • FILE A CLAIM
  • ONE-TIME PAYMENT
  • LOGIN
  • 800.342.5342

Make a Payment

You are now leaving Electricinsurance.com. To proceed, please read the following statement and click on “I Understand”.

We are pleased to direct you to Paymentus Corporation's® convenient, online bill payment service on a specialized, highly secure website. Paymentus is a separate corporation that is authorized to process premium payments on behalf of Electric Insurance Company's customers. The Paymentus privacy policies and security standards can be viewed in its entirety on its website. Please note that the transactions and data maintained on the Paymentus website are the sole responsibility of Paymentus Corporation.

I understand

Title

add Content here.

Continue
Driving in a carpool for children is a major responsibility.

ELECTRIC INSURANCE

Carpooling with Kids

  • facebook
  • youtube
  • twitter
  • linkedin
  • facebook
  • youtube
  • twitter
  • linkedin
  • Insurance QuoteGet a Quote
  • Home Insurance Quote OnlineRetrieve a Quote

GET A QUOTE

800.342.5342

or Start Online

Retrieve a Saved Quote

Forgot your reference number?
Want to issue your home policy?
Call Electric Insurance at 800.342.5342
(Mon-Fri: 8.00 AM to 7.00 PM ET)

 

Carpools that get kids to school and practice are a lifeline for busy parents juggling work and other obligations. They get kids where they need to be and save participating parents time, fuel, and parking costs. However, parents rarely think about the potential insurance implications of chauffeuring groups of children in their personal vehicles. That’s a major oversight, because car accidents involving carpools can create complex legal issues.

A Harvard University study found that 62% of all personal bankruptcies in the United States are due to medical expenses. Children injured in car accidents can face permanent disability and a lifetime of related expenses. Catastrophic medical costs for severely injured children may lead to lawsuits as parents attempt to meet the costs of care for their child.

How well are you covered? 

Bodily Injury (BI) liability coverage protects you financially by paying toward damages if you are found liable for accidentally causing injuries or fatalities to others. The coverage pays toward medical costs (such as ambulance transport, medical treatments, hospital stay, therapy, medical equipment, doctor’s fees, etc.) or funeral costs.

Why BI coverage matters to you as a carpool participant. If you are found to be at fault in an accident, the settlement or judgment against you could be for both injuries inflicted to people in other vehicles or pedestrians as well as children in your care who are riding in your vehicle. In a serious accident, those costs could be hundreds of thousands of dollars — or more — for just one person.

Without sufficient coverage to meet the amount of the claim, settlement, or judgment against you, the courts can order the monies to be taken from your wages, savings, investments, and other property.

How much coverage should you have?

When you purchased your policy, you had the option of selecting an amount of BI coverage. (Check your policy’s Declarations Page to find your coverage amount.) If you decided to select your state’s minimum required coverage amount, you could have as little as $15,000 of coverage. Medical costs for one injured child alone could exceed that level of coverage many times over.

Instead, consider a coverage amount of at least $250,000/$500,000. That means that your policy would pay up to $250,000 for one person’s injuries in any one accident and up to $500,000 total for all injuries in any one accident.

Consider Excess Liability Insurance. If you are or will be a regular carpool driver, consider purchasing an excess liability (umbrella) policy. This type of coverage applies when the amount of the settlement or judgment against you exceeds your auto policy’s liability limits and will pay in excess of the limits of the coverage you select. It’s generally inexpensive when compared with the possible financial consequences of being found at fault in a serious accident.

Check your Underinsured Motorists coverage

So what happens if you are in an accident in which you are not at fault, but you and your passengers are injured? Or if your child is in a carpool and injured when another person is driving?

Don’t assume that other drivers will have enough insurance to cover medical treatment. In fact, 13% of all drivers on the road don’t have any insurance at all. Uninsured/Underinsured Motorists (UM/UIM) coverage pays toward these medical costs if you are injured by a driver who either has insufficient coverage to pay your medical costs or no insurance at all.

Protect yourself from irresponsible motorists. Review the Declarations Page of your auto policy to see how much UM/UIM coverage you have. While UM/UIM coverage is mandatory in some states and optional in others; we suggest you get it even if it’s not required. A good rule of thumb is to match the coverage amount of your BI coverage.

Car accident liability costs can be catastrophic, and accidents involving children can have possible devastating financial and legal consequences. If you participate in a carpool, protect yourself, your family and your passengers with a sound insurance strategy.

Contact Us

Our Risk Coaches™ are licensed insurance professionals who are trained to look at coverage from your perspective. They’re glad to help you navigate the often-perplexing world of insurance coverage. Contact your local Risk Coach professional or call us at 800.342.5342, Monday through Friday from 8:00 a.m. to 8:00 p.m. ET.

Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services, or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.
 
Electric Insurance Company Risk Coaches help you assess your current coverages and exposure to risk based on the information you provide during your discussion. The services provided are for informational purposes only and do not create a professional or fiduciary relationship. Incomplete information or a change in your circumstances after your meeting may affect coverage requirements or recommendations.

Share this:
Tap or click to chat.Chat is currently unavailable.
Electric Insurance Logo

Footer Menu Coverages

  • Coverages
  • Auto
  • Home
  • Umbrella
  • Flood
  • Recreational Vehicles

Footer Menu Customer Services

  • Customer Service
  • MyAccount
  • FAQs
  • Refer a Friend
  • Submit a Story

Footer Menu Resources

  • Resources
  • Risk Coach Tool
  • Great Driver App
  • eNewsletter Signup
  • Glossary

Footer Menu Claims

  • Claims

Footer Menu About Us

  • About Us
  • Contact Us
  • Careers
  • Culture & Values
  • Privacy & Terms
  • News & Press
  • Site Map
  • Agency Login
  • Cookies

2020 Gold Stevie Award
Financial Strength RatingRating methodology is available
on the AM Best Website
  • facebook
  • linkedin
  • twitter
  • youtube

Our Commitment to Accessibility

Electric Insurance Company is committed to making our website's content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at 888.545.4514. You may also mail us at [email protected] with "Disabled Access" in the subject line and provide the description of the specific feature you feel is not fully accessible or a suggestion for improvement. We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies. Additionally, while we do not control such vendors, we strongly encourage vendors of third-party digital content to provide content that is accessible and user friendly.

© Copyright {YEAR} Electric Insurance Company | 75 SAM Fonzo Drive | Beverly, MA 01915