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Page History
| Standard Name: | Auto Insurance Policy Verification |
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| Scope: | All Reliant Employees and Associates |
| Revision Date: | March 27, 2023 |
| Last Review Date: | June 15, 2023 |
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This Policy is new for 2022. To ensure that Reliant staff have appropriate auto insurance coverage when driving for work-related purposes, we will be collecting copies of auto insurance policy cards for Reliant staff who drive for ministry-related work. Please closely review the information below. |
| Note |
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All Reliant staff staff, associates (including pre-hire associates), and volunteers who drive for ministry-related work must carry minimum bodily injury liability coverage of $50,000/$100,000 on their personal auto insurance policy. For International Workers: Reliant staff and associates working outside of the United States must acquire at least the locally mandated minimum amount of auto insurance coverage if they own a vehicle registered in that country. |
How do I know if I drive for ministry-related work?
- 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
- Have you submitted a reimbursement for mileage as a driver in the last 90 days?
- Do you receive a Ministry Expense Bonus for mileage?
If you answer "YES" to any of the above, then you drive for ministry-related work.
Note: Driving from home to a work location does not count as "driving for ministry-related work." This would generally be considered commuting to work.
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- 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 three months to meet this requirement. In the meantimeIf you haven't, 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 calculated mileage (which includes fuel and 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)like insurance and maintenance) into your Ministry Expense Bonus, you may want to adjust your ME Bonus (see Reimbursement and Expense Recovery Bonus Standard#RecurringExpenses).
- You may want to shop around for a different auto insurance carrier. Sometimes you can find better rates with another company.
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- Reach out to your Program Team Liaison.
Related Solomon Pages
Safe Driver Policy
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