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If a Reliant employee or volunteer is involved in a collision while exercising driving duties, he or she must:

  1. Call for medical aid if necessary.
  2. Call the local police and request that a police report is made concerning the collision.
  3. Contact personal insurance company immediately, as well as the rental car agency (if applicable).
  4. Obtain the insurance information and license plate number of other parties and vehicles involved in the collision.
  5. If safe, take pictures of all vehicles involved, damage to vehicles and/or property, skid marks, collision site, location/condition of traffic signs or signals, and (if feasible and consented to) any visible bodily injuries to employee/volunteer, his/her passengers, and other parties.
  6. Contact Reliant via phone (407-671-9700) or email (HR@reliant.org) as soon as possible to inform Reliant of the collision.
  7. Send copies of his/her personal insurance policy and rental car agreement (if applicable) to Reliant.
    * This will help Reliant determine what coverages were purchased on the rental car and what personal coverages the employee or volunteer holds.
  8. Not discuss the collision with anyone other than the police, the rental car agency, Reliant office personnel, personal insurance company representative, or Reliant corporate insurance agent.
  9. Not admit fault.

Personal vehicle usage for Reliant ministry business

If a Reliant Missionary drives their personal car (or even borrows a friend’s car) and gets into an accident when conducting Reliant ministry business, generally the member's personal auto insurance policy is primary for both collision damage to their vehicle (or the one they borrowed) and, if applicable, any damage done to the other vehicle that was hit.


Requirement

Reliant Missionaries who drive for ministry-related work must carry minimum bodily injury liability coverage of $50,000/$100,000 on their personal auto insurance policy.

Recommendation

Even though the required limits are $50,000/$100,000, Reliant strongly encourages each Reliant Missionary :

  • Carry collision damage coverage to cover any damages to their personal vehicle.
  • Carry $100,000/$300,000 in liability coverage on their personal auto insurance policy.
  • Consider carrying a $1,000,000 (or more) Personal Umbrella Policy

Financial Cost Note

Both Reliant’s mileage reimbursement rate and the local mileage Ministry Expense Bonus are set at levels which allow the Reliant Missionary to purchase adequate auto insurance coverage for their personal vehicles that will be driven for Reliant ministry purposes.

Personal Travel Note

For any non-ministry personal travel using your own vehicle, Reliant’s coverages obviously do not apply.

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1 Comment

  1. Dave Meldrum-Green

    Julie Thomas For this section.....

    1. If safe, take pictures of all vehicles involved, damage to vehicles and/or property, skid marks, collision site, location/condition of traffic signs or signals, and any visible bodily injuries to employee/volunteer, his/her passengers, and other parties (if feasible and consented to).

    I wonder if the missionary might think that it's only to take pictures of all vehicles involved, damages to vehicles, etc. if the other party consents. I think you were trying to say if the other consents.... then you can take pictures of any visible bodily injuries to the other parties. But you can still take pictures of the accident scene and the vehicles.