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B/O's and Insurance

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I was talking to one of the B/O's on the QM1 recently, and he told me that if you get into an accident while operating a bus, the other person can actually sue the B/O directly, separately from suing the MTA, and that the MTa won't cover any damages. 

 

Do B/O's have to carry their own insurance to cover themselves in these matters? That seems really crazy to me


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