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Charitable Organization Vehicle and Liability

Course: Insurance Planning
Lesson 5: Personal Auto and Umbrella Liability Policies

Student Question:

Hi

If I have liability insurance and I’m driving a vehicle that belongs to a charity (not my own vehicle) and I get into an accident, then my insurance covers this?

Sarah

Instructor Response:

Hi Sarah-

Liability coverage generally follows the car, not the driver.  If I am driving the charity’s car and I’m “at fault” in an accident, the charity’s liability coverage is primary and my liability coverage is secondary.  My liability coverage may kick in if the liabilities are higher than the policy liability limits of the charity’s auto policy.

How completely does that address your question?

Onward and Upward,

Bruce