According to Paul H. Smits, a senior vice president at Charlotte, NC-based Carpenter, Cammack & Associates, Inc., a company which specializes in insurance for full-service carwashes, several experienced wash operators have already put some safeguards in place to prevent accidents like these from happening.
Some operators have designated employees who perform the task of moving the customers' cars to the drying area.These employees have been fully trained and screened, and have worked at the site for a longer period of time, or are older, Smits
Screening involves running a Motor Vehicle Record check on the employee to make sure they have a clean record with no major violations and an active license.
At some full-service sites, wash owners also have procedures in place for higher-end vehicles, such as Jaguars
, or BMWs
.When these vehicles are serviced, according to Smits
, sometimes only the manager will move it to the drying area.
A carwash owner can be vicariously liable for any acts of their employees while in the course of their employment, regardless if they are licensed or not, Smits
Setting up a comprehensive safety program can also lead to preferred pricing on your insurance based on your past experience and current risk management procedures, Smits
However, if you've had a frequency of accidents, then you might be faced with higher pricing or even a chance of non-renewal. According to Smits, a full-service carwash owner also has the option of purchasing higher limits of liability through an Umbrella Excess policy.