Most people think nothing of driving kids and youth around in their own personal vehicles. I have personally taken boys on camping trips when I was with Royal Rangers and have used my personal vehicle for many church related activities over the years. But if an accident happens while you are transporting children or youth for the church, who is liable?
Most think that the church is liable. But that can be a myth. It all depends on the church's insurance policy. The policy may or may not cover personal vehicles. The policy could be written in a way that makes YOU personally liable for any and all accidents even if you are participating in a church sanctioned event. The church's policy may not take over until the limits of your personal policy have paid the maximum benefit. That could leave you and your family holding the bag.
It is so important to understand the insurance policy limitations and riders. If you have never reviewed the policy you may want to do so before transporting children or youth again in your personal vehicle. Just a heads up. You may want to look at your policy as well. If your personal vehicle policy thinks that the church should pay, they may fight you to avoid paying.
Just a dose of reality people. Information is the key. Be informed and know the risks. As always, you can find more information and links on my website: www.trinityriskmanagement.com
Information for Churches on Risk Management, Safety and Security in todays world.
No comments:
Post a Comment