The Dixie Youth policy has a $1,000,000 limit for Non-Owned/Hired Auto Liability. What is this coverage and why is it important?
The Non-Owned Auto Liability provides protection for your league (but not the individual driver) if your league is sued as a result of an automobile accident arising out of a volunteer’s use of their auto for league business (ex.: driving to buy additional equipment or carpooling players). In most states, not only can the owner of the car and negligent driver be sued, but also any organization for whose purpose the errand is being run can also be sued. Your league is “wide open” for this type of lawsuit if the owner of the car is either uninsured or carries minimal limits of coverage such as $30,000. Hired Auto Liability provides liability protection for your league if it rents a private passenger car or small van for league business. Please note, however, that the Collision Damage Waiver must be purchased from the rental car company to provide coverage for damage to the rental vehicle itself. The Non-Owned/Hired Auto Liability coverage extends to the league but not to the owner or ope
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