Accident and Liability Insurance for RSVP Volunteers

Summary of Volunteer Insurance Coverages

Accident Medical Expense Benefit:

This insurance does not duplicate benefits payable under Medicare or any other valid and collectible insurance coverage. 

Excess Accident Medical Expense Benefit: 

• Up to $50,000 for In & Out-Patient Hospital, Ambulatory Medical Center & Emergency Room, Physician visits & surgery, diagnostic tests, nursing services and ambulance charges. 
• Excess—pays benefits after any other Health Care Plans have paid benefits
• Dental Coverage - $1,000 maximum benefit, up to $300 per tooth
• There is a $250 deductible that applies to this benefit

Accidental Death and Dismemberment Coverage:

• Loss of Life.................................................................................................................................... $50,000
• Loss of any combination of two: hands, feet, eyesight, speech and hearing................................ $50,000
• Total paralysis of upper and lower limbs, both lower limbs, or upper and lower limbs on one side of the body............................................................................................................................................... $25,000

• Loss of one hand one foot, sight in one eye, speech or hearing................................................... $25,000

• Loss of thumb and index finger of same hand............................................................................... $12,500
• Loss of Life due to heart failure..................................................................................................... $10,000

Personal Liability Insurance:

All registered volunteers (collectively) of this organization are covered by RSVP's liability insurance at a limit of $1,000,000 per occurrence.  This policy provides protection for a bodily 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.

Excess Automobile Liability:

This coverage protects the registered volunteer driver for bodily injury or property damage caused to any third party, including while driving directly between a registered volunteer driver’s residence and workstation.  The combined single limit, as respects bodily injury and property damage of a third party is, $1,000,000 each accident.

Additional Information and Claim Forms:

For claim forms or additional details about coverage and exclusions pertaining to this volunteer insurance, contact the Mesa County RSVP office at 243-9839.