Insurance Coverage

When you enroll in RSVP you will be provided insurance that covers you while traveling from home and back and during your volunteer time. The insurance coverage shall be in excess of and noncontributing with any other valid and collectible insurance you have. In other words, the accident and excess automobile liability coverage are intended to provide higher levels of insurance for you, starting where your own insurance coverage stops. They are excess, not primary coverage.

This is true, too, for personal liability; if you are not covered by personal liability insurance, the RSVP personal liability insurance becomes the primary insurance with no deductible.

When you enroll in RSVP, you will sign the Volunteer Registration and designate a beneficiary. This will pay your beneficiary if you should die while volunteering. If no beneficiary is named, "Estate" will be entered in that space.

Accident Insurance

Accident insurance shall cover you for personal injury incurred during your volunteer assignment and at other RSVP sponsored activities such as recognition events and Advisory Council meetings.

RSVP provides the following accident insurance coverage:

  1. $25,000 for medical or surgical treatment
  2. $50 for repair or replacement of damaged eye glass frames and $50 for replacement of broken eye glass lenses or contact lenses;
  3. $250 for repair of dentures, $500 for treatment of injury to natural teeth;
  4. $2,500 for dismemberment or accidental death (paid to the beneficiary)

Personal Liability Insurance

Protection shall be provided against claims in excess of protection provided by other insurance. RSVP provides third party protection for you against injury or property damage claims arising out of your volunteer service activities. The amount of protection shall be $1,000,000 for each occurrence of personal injury or property damage and shall be in excess of any other valid and collectible insurance.

Excess Automobile Liability Insurance

To avoid a gap in coverage between your personal vehicle insurance and liability claims in excess of that coverage, RSVP provides Excess Auto Liability Insurance coverage of not less than $500,000 each accident for bodily injury and/or property damage.

RSVP provides protection against claims in excess of the greater of either the liability insurance you carry on your own vehicle or the limits of the applicable state financial responsibility law.

In case of an accident, you should notify the RSVP office as soon as possible. A claim form will be sent to you to be completed and returned to RSVP. You must include all bills and a statement of Medicare payment if you are enrolled in Medicare.