What insurance requirement applies to members using personal vehicles for official business?

• A. Members who use their personal vehicles for official business shall be required to have their own insurance and comply with all federal, state, and local laws.
• B. Insurance is optional.
• C. They must rely on the employer's insurance.
• D. They must carry only liability insurance.

Answer: (A)

Using a personal vehicle for official duties means you carry your own auto insurance and follow all applicable laws. This ensures there’s valid coverage in place if something happens during official business, and it avoids gaps that can occur when relying on someone else’s policy. Employer-provided insurance often doesn’t automatically cover a member’s personal vehicle for all work-related trips, so having your own policy is the reliable protection for both you and the organization. Keeping your policy current and compliant with federal, state, and local laws shows you’re prepared for the responsibilities that come with using a personal vehicle for official work.