What Is an Ambulette, Paratransit, or Non-Emergency Medical Transportation (NEMT) Vehicle?

An Ambulette, Paratransit, or Non-Emergency Medical Transportation (NEMT) vehicle is specially designed to transport individuals—often those using wheelchairs—to and from locations such as nursing homes, adult day care centers, hospitals, EMS facilities, group homes, and more. In New York City, these vehicles are typically for-hire and dispatched by a licensed paratransit base for patient transportation. It’s important to note that emergency vehicles like ambulances, which are equipped with lights, sirens, and provide medical or first aid services, do not fall under the Ambulette or Paratransit category.

Do You Need Insurance for Ambulette, Paratransit, or NEMT Vehicles?

Yes. Insurance for these types of vehicles is usually mandated by local or state regulations, as well as the organizations that contract your services. The insurance typically includes a combination of the following key coverages:

Auto Liability & Physical Damage
Workers’ Compensation
General Liability

Some insurance providers may also require that your business has been operating for a specific number of years before offering coverage. It’s essential to consult with a licensed insurance agent or broker to ensure you’re meeting all legal and contractual obligations, which can vary by state.

How to Get Insurance for Ambulette, Paratransit, or NEMT Vehicles

For nearly two decades, Pearland Brokerage has specialized in providing insurance quotes tailored to Ambulette, Paratransit, and NEMT vehicle operators. Our experienced brokers understand the unique insurance needs of this industry and work with all major carriers to secure the most suitable coverage for your business.

To get a free quote, email us at Gavriel@nextcenturyinsurance.com

What Is Full Coverage or Physical Damage Insurance?

Full Coverage, also known as Physical Damage Insurance—or sometimes referred to as Fire, Theft, and Collision coverage—is a type of auto insurance that protects your vehicle. It combines two key coverages:

Collision Coverage: Covers damage to your vehicle resulting from a collision with another vehicle or object.
Comprehensive Coverage: Covers losses caused by events such as fire, theft, vandalism, or natural disasters.

This coverage generally pays for either the cost to repair your vehicle to its pre-loss condition or the cost to replace it with a comparable vehicle—whichever is lower. A deductible applies, meaning you’ll be responsible for a set amount before the insurance coverage kicks in.

Note: Full Coverage or Physical Damage Insurance is separate from Liability Insurance, which covers bodily injury or property damage you may cause to others.

Do I Need Full Coverage or Physical Damage Insurance?

It depends. If your vehicle is leased or financed, your lender or leasing company will likely require both liability and physical damage coverage. However, under the Taxi and Limousine Commission (TLC) regulations, only TLC Liability Insurance is required.

How Can I Get Physical Damage Insurance?

For nearly 20 years, Next Century Insurance has been helping drivers find the right auto insurance. Our knowledgeable brokers understand both commercial and personal insurance needs and work with leading insurance carriers to provide competitive quotes. Whether you’re looking for full coverage or just physical damage protection, we’ll help you find a policy that fits.