Certified Travel Counselor (CTC) Practice Exam

Having appropriate auto insurance that includes coverage for business purposes is the most effective precaution a personal trainer can take to protect themselves from legal ramifications after a car accident with a client. This type of insurance can cover various liabilities that may arise from using a vehicle for business activities, which is crucial when transporting clients. In the event of an accident, this coverage would help mitigate financial loss due to claims made by the client for damages, medical expenses, or other liabilities.

While requiring the client to wear a seatbelt is a good safety practice, it does not necessarily protect the personal trainer from legal consequences stemming from the accident itself. Similarly, while having a determination of not at fault by the courts can be beneficial, it does not prevent the legal ramifications from arising in the first place. Lastly, asking the client to sign a waiver addendum may provide some level of protection, but it may not be enforceable in court, depending on local laws and regulations. Thus, the most decisive form of protection is having the right insurance coverage in place.