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Public entities need to protect the investment in their vehicle fleets from many types of driver and storage exposures. Auto liability coverage is required to meet state liability limits and potential legal defense costs. Public entities have unique exposures and your broker can help you develop the correct combination of Auto coverages to ensure coverage for your specific needs.

Automobile Physical Damage (APD)

Coverage that insures against damage to the insured's own vehicle. Also known as Comp & Collision, coverage is provided for perils such as collision, vandalism, fire, and theft. Coverage may also be required for vehicles you rent or borrow. Coastal entities may need additional coverage to protect fleets in the event of damage from a named-storm wind event.

Auto Liability

Auto Liability covers damages to another person, vehicle and or property resulting from an accident you cause. Texas tort immunity provides government entities a limit of liability for Auto Liability claims. Depending on the type of governmental entity the limits can range as follows:

$100,000 - $250,000 - for each person – Bodily Injury
$300,000 - $500,000 - total for each accident – Bodily Injury
$100,000 – Property Damage

Uninsured/Underinsured Motorist

Uninsured/Underinsured Motorist Coverage protects the public entity against loss if in an auto accident with another driver who is at fault and who either does not carry liability coverage (uninsured) or has insufficient limits to cover your loss (underinsured).

Uninsured/Underinsured Motorist Coverage is divided into two parts: bodily injury and property damage. Bodily Injury Coverage is available to pay the medical expenses of your passengers if injured. Property Damage Coverage pays for damages to your vehicles caused by an uninsured or underinsured driver.

Public entities transporting community members can benefit by ensuring passengers have coverage for injuries sustained in an accident regardless of fault.

Coverage typically includes:

  • Bodily Injury – per person
  • Bodily Injury – total per accident
  • Property Damage

Medical Payments

Usually an optional coverage under an auto policy to pay for medical expenses for an insured who sustains bodily injury caused by an auto accident, without regard to fault. Coverage for persons other than the named insured is typically restricted to circumstances when they are occupants of the insured auto.

Coverage typically includes:

  • Bodily Injury – per person
  • Bodily Injury – total per accident

Garage Keepers

Public entities with transportation departments may provide vehicle storage or shelter for vehicles from other entities or organizations. Garage keepers or Storage Location Insurance typically provide damage and theft coverage for vehicles in your care.