Volunteer drivers perform helpful and important services, but their service comes with a number of risks that should be mitigated and covered by insurance whenever possible. Take a look at some of the main liabilities of volunteer drivers and how you could manage them effectively.
Volunteers Face Several Risks That May Not Be Covered by Insurance
While many volunteer drivers likely already have personal auto insurance, that insurance alone may not be enough to cover some of the risks they could face during their service time. Some examples of these types of incidents could include:
· Property damage to the vehicle
· Damage to another automobile in an accident
· Bodily injury resulting from an accident
Separate Auto Liability Coverage Could Help Manage Risks
In order to provide coverage for incidents outside drivers’ personal insurance, you may want to consider separate auto liability coverage. Additionally, you can help ensure safety standards are met by taking the following steps.
· Carefully screen all drivers and check their records for past accidents
· Ensure volunteers are well-trained and are given clear safety guidelines
· Ensure all vehicles driven pass safety inspections
· Equip volunteers with any additional equipment needed to overcome limitations
· Assign supervisors to oversee volunteer efforts
Mitigating the various liabilities of volunteer drivers is a key ingredient in keeping them safe. Review these liability types as you devise a plan for covering your volunteer drivers and preventing key risks.