Non-emergency transport (NEMT) vehicles play a vital role in healthcare as they take patients to and from the hospital for appointments, outpatient surgery, and more. The companies that run NEMT vehicle services often have a number of different types of insurance, ranging from general liability to specialty business options.
Having insurance in place to safeguard your business and employees is one thing, but what happens when a patient claims that something transpired when it didn’t? You need to take a few extra precautionary steps in order to provide some extra protection.
Preventing False Claims
The best solution for finding an additional way to protect your company also prevents false insurance claims. These claims, which could stem from a patient saying that they slipped and fell while heading for their seat in the vehicle, to blaming the driver for not making sure that everyone is secured, could harm your livelihood. Not only can they cause your insurance costs to go up, but enough accidents could keep health insurance companies, which pay for patient transport, to cease using or referring your business.
Installing a Dash Camera
What is that “best method?” It’s a dash camera. Installing one that can cover every part of the interior of the vehicle provides a record of everything that went on during the course of business. Other cameras, like those that point outwards from the dashboard, recording the view of the road, are useful as well. Having a permanent digital recording can prove that certain accidents didn’t happen or at least provide a true account of the situation.
Digital Footage
One of the best things about newer dash camera systems is that they’re entirely digital. This makes it easy to not only examine the footage, as you can use just about any tablet or phone that has the right app, but it’s also easy to send it to your insurance company. Proof of what happened is a simple click away.
Reducing Your Liability
Being able to prove that an incident didn’t occur can reduce your overall liability. And even in cases where the accident did occur, but was exaggerated by the patient, the recorded footage can make what occurred clearer to your insurance company. As a result, you’ll have lower insurance costs since the claim was either denied or didn’t even get filed in the first place. This makes your business less costly to run, as well as more appealing to the healthcare insurance companies that hire you.
Provide Your Insurance Company with the Footage
Insurance companies, especially those that provide coverage for specialty businesses like non-emergency transport are increasingly asking for proof of accidents before any money is paid out. By having recorded footage on hand, you can show your insurer that the claim is false, thereby saving you from higher insurance prices.
Have Questions? Contact Charlotte Insurance
Want to learn more about video and insurance integration for your NEMT business? Contact Charlotte Insurance. Our agents can explore and explain all available options and put together the insurance coverage plan your business needs.