Summary of Coverages

I. Accident Insurance

This insurance does not duplicate benefits payable under Medicare or any other valid and collectible insurance coverage.  Get our insurance brochure that provides a detailed information about this insurance.

Excess Accident Medical Coverage

Will pay up to $25,000 for medical treatment, hospitalization and licensed nursing care required as the result of a covered accident.  The insurance applies while the volunteer is traveling directly to and from, and while participating in, volunteer-related activities.  Initial medical expenses must be incurred within 60 days of the accident.  Expenses are covered for a one-year period following the accident. 

Accidental Death and Dismemberment Coverage

In addition to the accident medical coverage, LINA will pay benefits for death or loss of limb or sight, occurring within one year after a covered accident.  (See brochure provided by your local RSVP office for details on coverage and exclusions.)

II. Personal Liability Insurance

All registered volunteers (collectively) of an organization are provided with Personal Liability insurance at a limit of $1,000,000 per occurrence subject to an annual aggregate per named organization.  This policy provides protection for a personal injury or a property damage liability claim arising out of the performance of the registered volunteers’ duties.  This coverage is in excess of and non-contributing with any other valid and collectible insurance the volunteer may have. (See brochure provided by your local RSVP office for details on coverage and exclusions.)

Legal Defense

Under the Personal Liability insurance coverage, the insurer will defend any covered suit against the volunteer seeking damages on account of personal injury, bodily injury or property damage which exceeds any other valid or collectible insurance available to the volunteer.

III. Excess Automobile Liability

This coverage protects the registered volunteer driver for bodily injury or property damage claims arising out of their volunteer activities, including driving directly between the registered volunteer driver’s residence and work station.  The liability policy is written at a combined single limit as respects bodily injury and property damage of $500,000 each accident. (See brochure provided by your local RSVP office for details on coverage and exclusions.)

Legal Defense

Under the Excess Automobile Liability Insurance coverage, the insurer has no obligation to defend unless and until it is determined that the insured must pay damages in excess of the retained limit.  Should any automobile claim appear likely to exceed the retained limit, no loss expenses or legal expenses shall be incurred on the insurance company’s behalf without the company’s prior consent.