Even if volunteers have their own car insurance, it is still imperative that an organization has appropriate volunteer vehicle insurance coverages. Here is an explanation of the difference between these two types of policies.
Volunteer Vehicle Insurance
If volunteers are harmed in a car accident while performing their duties or while traveling to or from the job site, volunteer accident insurance pays their medical expenses. Examples of services this policy covers include the following:
- Hospital room and board
- Ambulance transportation
- Dental care to previously healthy teeth
- Prescription drugs used to treat injuries
You also can purchase additional excess auto liability insurance to cover claims of wrongdoing that other people involved in the accident might make against the volunteers.
If the volunteers already have their own insurance, such as auto insurance for personal vehicles or Medicare for hospital bills, volunteer insurance covers what their policies do not pay. If the volunteers are uninsured, then volunteer accident insurance would be their primary insurance. However, they do need personal policies to cover any damages to their own vehicles.
Many organizations would not be as effective without volunteers; some could not exist at all. Be sure to protect your volunteer workforce and your organization by purchasing sufficient accident insurance to cover them both.