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All Reliant staff who drive for work must carry minimum bodily injury liability coverage of $50,000/$100,000 on their personal auto insurance policy. |
How do I know if I drive for work?
- Have you submitted a reimbursement for mileage as a driver in the last 90 days?
- Do you receive a Ministry Expense Bonus for mileage?
- Do you do any of the following regularly?
- Drive to multiple MTD appointments during the day
- Drive from your work location to work-related offsite meetings, including MTD appointments, discipleship meetings, Bible studies, etc.
- Run errands on behalf of church/ministry
- Drive with church congregants, small group attendees, ministry clients, etc. in your vehicle for church- or ministry-related purposes
If you answer "YES" to any of the above, then you drive for work.
Note: Driving from home to a work location does not count as "driving for work." This would generally be considered commuting to work.
How do I know if my personal auto insurance policy meets Reliant's minimum requirements?
- To find your Body Injury Liability coverage, you can do one of the following:
- Call your auto insurance agent
- Review your Declarations Page in your policy documents
- Log into your auto insurance carrier's website and look for your policy coverage
- The minimum Bodily Injury Liability coverage requirement is $50,000 per person and $100,000 per incident. This typically is written out as $50,000/$100,000.
I checked my auto insurance policy, and my limits are below Reliant's requirements. What should I do?
- Since most states have minimum auto insurance requirements that are not much less than Reliant's (and some are the same), you likely will not need to increase your coverage by much. However, any coverage change may increase your premiums.
- Contact your insurance agent or go to your insurance carrier's website to find out how adjusting your coverage will affect your premiums.
- You will have until July 2022 to meet this requirement. In the meantime, you can consider doing the following:
- If you have not been reimbursing mileage for work-related travel, review the Auto Mileage - Reimbursements page in the Field Manual. Reliant reimburses at the IRS mileage rate, which is set at an amount that takes into account the costs of operating a vehicle, including insurance coverage (see IRS Standard Mileage Rates)
- You can request an ME Bonus for Local Mileage (see Ministry Expense Bonuses - Payroll, Insurance, Retirement)
- You may want to shop around for a different auto insurance carrier. Sometimes you can find better rates with another company.
The increase in my premiums is going to cause financial hardship for me or my family. What can I do?
- Reach out to your Program Team Liaison.
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