Check your policy to make sure you have this coverage. If your church is sued for an accident that occurs while operating a borrowed or leased vehicle, this coverage works on an excess basis. It's available after the vehicle owner and driver have filed a claim with their insurance company, the primary insurer. The vehicle owner and driver must go to their insurance company first. Be aware that it offers no protection, however, for the vehicle owner or for the driver of a borrowed vehicle.
Every insurance policy contains limits, conditions, and exclusions.
Read your policy carefully, because it may not respond to all claims for damage. Copyright 2000 Brotherhood Mutual Insurance Company. All rights reserved.