Is A School Bus Is Hit By Another Bus In A Parking Area, Is The Driver Of The Backed Into Bus Covered By Insurance? 
Based on my knowledge as a claims adjuster and as an agent , the owner of the bus which I assume is a commercial entity has a commercial policy . It is unknown if the buses are covered for physical damage on the policy . It has been my experience that if there is a large fleet of vehicles , physical damage for each vehicle is usuallynot included on the policy due to the expense . The best person to discuss this with is the risk manager or the agent for Company . 