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If both Volunteer Liability and Excess Automobile Liability policies respond to claims of physical injury or damage to anothers property, why are both coverages needed?

April 26, 2017automobile damage excess injury liability physical policies respond volunteer

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If both Volunteer Liability and Excess Automobile Liability policies respond to claims of physical injury or damage to anothers property, why are both coverages needed?

1 Answer

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The volunteer liability policy specifically excludes claims involving the ownership, use, or operation of a motor vehicle. Consequently, an injury to another, or the damage to another’s property, resulting from the use of a motor vehicle needs to be protected under a separate contract.