When an organization shares a vehicle or equipment with another entity or borrows an auto or equipment from another party, it is important that the each party understands who is responsible for the vehicle or equipment and how coverage applies for shared and borrowed autos and equipment.

Vehicle use presents some of the greatest risks faced by MCIT members and their employees. This article discusses basic coverage issues as it relates to personal vehicles used for business purposes.

The basics of personal injury protection, uninsured motorist and underinsured motorist coverages, including limits of coverage, who is covered, priorities of coverage and how coverage coordinates with other types.

Members should understand the statutory authority for incidental personal use of vehicles owned by members and how MCIT coverage responds to injuries to the employee, other passengers and physical damage to the vehicle and other vehicles involved in an accident.

Volunteer drivers often use their personal vehicles to provide services for MCIT members, such as providing rides for seniors. One common concern is whether auto liability coverage is excluded under the volunteers’ personal auto policies.