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The drivers do not have any vehicle insurance at all? Or they just do not have commercial insurance?
The penalty for driving without insurance in California is a traffic citation and possible impounding of your vehicle. If you are in an accident and do not have insurance, you may loose your license for up to 4 years.
The drivers have insurance, but not commercial coverage.
Since the volunteers are not getting paid, the 501(c)(3) is not responsible for their negligence.
The volunteers likewise will not be required by law to have commercial insurance.
They are not driving for money. They are giving someone a ride for free. The fact that it is arranged though the 501(c)(3) should not change that.
So if the drivers get in an accident, it will be treated the same as any other accident if they were giving someone else, a passenger, a ride somewhere.
If the volunteer driver is at fault, his insurance will cover the accident.
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