Volunteer Insurance, What does it cover?
RSVP provides volunteer insurance at NO COST to the volunteer
or non-profit agency it is assisting. The insurance is provided
by CIMA Companies, Inc. Summary of coverage includes Excess Accident
Medical Coverage, Excess Volunteer Liability Insurance, and Excess
Automobile Liability Coverage.
does all of this mean in insurance language? Basically it covers
out-of-pocket medical expenses incurred by a volunteer from an injury,
or if a volunteer injures another person, it covers their out-of-pocket
medical expenses. For example, if Mrs. Jones is volunteering and
trips over a chair which causes her extensive damage to her teeth,
and she has no dental insurance, then the RSVP CIMA insurance would
reimburse Mrs. Jones for her dental expenses up to a certain amount.
Each insurance reimbursement has a maximum level.
Commonly asked questions about the RSVP CIMA insurance coverage:
- My car was damaged in an accident while I was volunteering; will
you cover my deductible for the repairs? NO. The coverage is for
liability claims only. There is no coverage for damage to your
- Medicare says that your insurance should pay first. What should
I do? CIMA coverage is specifically excess over Medicare. Call
the RSVP office and they will put you in touch with CIMA for assistance.
- I see that the policy provides excess protection if I cause bodily
injury or property damage. What if there is an allegation of sexual
misconduct or sexual abuse? The policy does not provide protection
in the event of a criminal proceeding, but it may provide protection
in the event of a civil proceeding.
do I file a claim? For any type of claim, you first need to report
the incident to the RSVP office. Even if you don’t think
you will have medical expenses, it is important to report the
accident anyway. RSVP has specific forms that need to be completed
ASAP and filed with CIMA. DO NOT WAIT FOR MEDICAL BILLS. Keep
a copy of all records and submit your bills to Medicare or any
other existing insurance first. Once you have their “Explanation
of Benefits: form, send those to RSVP.
RSVP has copies of the CIMA insurance brochure and claim forms
on file. You may also utilize the CIMA Insurance link below and
search under Volunteer Coverage for information and forms. LINK
TO CIMA - www.cimaworld.com