Risk and Liability
Isn't there a lot of risk to operating a volunteer driver program?
Providing transportation will always pose risks related to the service, its drivers, its passengers, and its sponsors. And, providing transportation assistance, especially door-to-door and door-through-door assistance, will increase the normal exposure to potential liability for property damage and bodily injury. There is little evidence of frequent or even infrequent vehicle crashes, or of transportation assistance causing property damage or bodily injury, but such concerns are important when planning a volunteer driver program.
The Beverly Foundation surveyed 225 Faith in Action volunteer driving programs in 2007 and reported a collision liability of 3 percent in the previous 5-year period and concluded that the “low number of collisions that result in legal liability in Faith in Action transportation programs appears to be consistent with other volunteer driver program data. It is believed that such experience results from the fact that volunteer drivers are either safe drivers or that they use especially safe driving methods when driving older people or people with disabilities.”
However, the more closely a program is associated with volunteers, the greater risk to the service sponsor and its funders. The TRIP model, in which passengers select and recruit their own volunteer drivers, helps to limit risk and liability for the service program. Following the TRIP model precisely does not mean that insurance is not needed.
How much insurance is needed?
The minimum insurance that should be secured for a TRIP model service program, when passengers recruit their own volunteer drivers and volunteers use their own vehicles and rides are exclusively arranged between the passengers and their volunteers, is commercial liability insurance and non-owned auto coverage. An organization’s existing commercial liability insurance may include coverage of the volunteer service program. The TRIP Program in Riverside coverage includes Commercial General Liability, $1M each occurrence, $1M Personal injury, $2M Aggregate, plus Hired auto and Non-owned auto, $1M.
If a program recruits, screens and trains volunteers and then matches them with passengers and schedules rides, or has owned vehicles or paid drivers, more insurance coverage is called for. This may include increased amounts of commercial general liability insurance, as well as social service professional liability, business auto liability and collision, volunteer insurance, and improper sexual conduct liability.
Insurance underwriters are trained to analyze risk associated with business practices and recommend appropriate levels of coverage. More than one opinion should be sought. It may be constructive also to consult non-profit risk management centers and similar organizations for unbiased assessments.
We are not comfortable referring applicants to TRIP if volunteer drivers aren't screened - isn't there a lot of risk when volunteers are not screened?
If I needed to ask someone to volunteer to be my TRIP driver, I would probably ask my good neighbor Floyd if he could help me. We have known Floyd for 20 years - we know what he thinks, what he does, we know so much about him that NO screening could ever hope to uncover! That is the point of the entire "friends helping friends" philosophy. Why would you want to take away my self respect and tell me that I am not capable of determining who would be a good volunteer driver for me, especially since it is MY volunteer? The recruitment relationship is just between me and those I ask - why do you think you should be involved? TRIP respects and empowers its clients to be active and engaged in solving their own problems.
The Beverly Foundation has rated TRIP as ........"the nation's best volunteer driver model"