Ministry Vehicle Passenger Risk Factors:

In reviewing your passenger risk factors we recommend these should be reviewed:

1. The child car seat issue, an overlook issue by most until a accident happens:  Please note the follow web site for suggestions and information http://www.nsc.org/library/facts/scbusinf.htm  As you'll see, the NHTSA recommends that children under 50 pounds ride in an approved car seat, even on vehicles such as a school bus.  State regulations will vary by state so you'll want to check with your state's DOT/DMV regarding car seat requirements for your state.  Some states make distinctions between vehicles over/under 10,000 pounds, others do not.  In most states, 12-15 passenger vans must meet the same requirements as passenger cars in those states as far as child safety seats. 
2. We believe there should be at least a child to adult ratio of 2 adults for 20 children and an added adult for each 10 or portion of 10 above the first 20 to meet the best adult/child ratio requirements.

Ministry Vehicle Passenger Risk Factors:

In reviewing your passenger risk factors we recommend these should be reviewed:

1. The child car seat issue, an overlook issue by most until a accident happens:  Please note the follow web site for suggestions and information http://www.nsc.org/library/facts/scbusinf.htm  As you'll see, the NHTSA recommends that children under 50 pounds ride in an approved car seat, even on vehicles such as a school bus.  State regulations will vary by state so you'll want to check with your state's DOT/DMV regarding car seat requirements for your state.  Some states make distinctions between vehicles over/under 10,000 pounds, others do not.  In most states, 12-15 passenger vans must meet the same requirements as passenger cars in those states as far as child safety seats. 
2. We believe there should be at least a child to adult ratio of 2 adults for 20 children and an added adult for each 10 or portion of 10 above the first 20 to meet the best adult/child ratio requirements.

Health Savings Accounts (HSA)*

Let us help you simplify your medical coverage with choices that give you more control over your health care costs, and a returned benefit. Instead of paying all costs towards a traditional insurance plan where you may receive nothing in return, you can now go with a high deductible plan to: