Re: Liability insurance
Bruce E. Cobern (bec@PIPELINE.COM)
Wed, 31 Jan 1996 09:39:25 -0500
On Jan 30, 1996 19:58:43, '"Bruce E. Cobern" <bec@pipeline.com>' wrote:
>On Jan 29, 1996 18:48:58, '"Paul H. Brown" <phbrown@CAPACCESS.ORG>' wrote:
>>An example. I live in Virginia. A (IMO, benighted) commonwealth that
>>does NOT require public liability insurance for its drivers. If I, as an
>>uninsured scouter, get in a wreck while on BSA errands, does the
council's
>>insurance defend and pay any ensuing liability suit against me?
>If, in fact, you carry no liability coverage that would apply, either on
>your vehicle or on your home, then I believe the national coverage is
>invoked from the first dollar.
Ian Ford asked me a question by email which led me to reconsider this part
of my response to Paul's post. While Virginia (and other states) might not
require drivers to carry liability insurance in order to operate a motor
vehicle, the BSA DOES! I don't have a tour permit handy so I do not know
what BSA's minimum limits are, but they exist. Thus, I do not know how BSA
would react to an accident involving an uninsured Scouter. Clearly he would
be driving in violation of BSA policy. I don't know whether BSA would take
itself out of the process or just act as if the minimum required coverage
was a deductible to be paid by the Scouter himself and then the BSA
coverage would pick up the rest. It is hard to believe they would take
themselves out of the loop totally because that could possibly leave the
victim out in the cold.
Does anybody know how BSA would react in this situation?
--
Bruce E. Cobern
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City | 
