If you drive your personal automobile for fraternity/sorority-related business and are involved in an accident, you need to rely on your own personal automobile insurance to pay for any injuries or damages to a third party or to your own automobile.
The organization’s policy will protect the organization if they are named in a lawsuit, but you would need to look to your own policy for your protection. With the use of automobiles, the liability always follows the automobile.
We strongly discourage the use of members’ vehicles for transportation of members and guests from fraternity/sorority functions, including recruitment and social activities. We encourage our clients to utilize professional transportation services when at all possible that meet the following criteria:
- The transportation company supplies proof of commercial automobile insurance that provides coverage for transporting people and property for a few and a minimum of $1,000,000 combined single limit for bodily injury and property damage.
- The transportation company engages professional drivers who have valid commercial vehicle operator’s license in the state in which the company is located.