義工司機保險點計 ？

AAC

有人找我做義工司機，開自己架車，幫忙接載一些長者去看病，或到長者活動中心來來回回。
基本上，我作為司機，是不認識"乘客"的，也沒有收他們錢，但假如在接載途中，不幸有交通意外令到"乘客"受大/小傷，或上落車滑到等等大小問題，我會否要上身成為被告？我本身的"上班"車險，能否保到我 ？

我都好想幫人，但又希望自己受到保障，請高人指路。

Helissio

and you need to find out if the 長者 **** in the car, who's paying for the clean ups?

fibbi

I"m no expert in this area. But isn't it similar as you drive your friend in your car?
Basic insurance from ICBC:
Accident Benefits          Accident Benefits covers medical care or financial support after a crash. It covers you and members of your household, plus any other occupants of your vehicle, as well as cyclists or pedestrians who collide with your vehicle.

AAC

3# fibbi

I'm worry if they get hurt during loading when the car is in parking condition.
If they are my friends or relatives, 90% they won't go after me.  But if they are strangers.... it's hard to say.
Not sure if there is waiver of liability statement....

Lik

If it is a charitable / non-profit organization asking to you to for the voluntary service, they are bound to have some sort of liability policy in place. Chances are, the organization has already purchased some sort of insurance, and while you and your vehicle are being used to assist them in their programs, that insurance coverage would extend to you, your vehicle, and your passengers. A prime example of this is when teachers / parents / relatives / volunteers drive school children to school-related events. VSB, for example, has some huge coverage kicking in when a parent or a coach drives the school team to a game or something. However, I think the driver has to sign some sort of form before coverage is extended to the driver and his vehicle.

If there is no such policy in place, then I think it would be safe to say that you are totally at your own risk.

-Lik

AAC

Thank you Brother Lik.

AAC