I volunteer part-time delivering meals to elderly people in their homes. I am reimbursed for my expenses, like gas and wear and tear on my car, but I am not paid. I am wondering, what would happen if I was involved in a car accident while I was making deliveries? Would my auto policy cover me, or do I need special insurance? -- Vigilant Volunteer

Dear Volunteer:

It sure would be hard to swallow if you were to get sideswiped while delivering free meals to the elderly.

But it could be worse. Chances are, your insurance would kick in should that unfortunate event occur. And if you live in Ontario, it's a sure thing. As of January 1, 2001,there will be a change to the wording of the Standard Automobile insurance policy in that province. From that date, the Ontario auto policy will specifically state that volunteer drivers should NOT be considered as receiving compensation when being reimbursed for their "reasonable" driving expenses, including gas, vehicle wear and tear, and meals. In other words, no special insurance is required, and no additional premium will be charged to volunteer drivers, even if they are receiving expenses.

It would be a different story if you were driving a cab or a bus -- for example, transporting paying passengers. In that case, you would be considered as receiving compensation, and would need a special endorsement called OPCF 6A -- Permission to Carry Paying Passengers -- at a higher premium, of course.

However, if you are a volunteer driver in a province other than Ontario, you should advise your insurance representative of that activity, just to make sure there are no gaps in your coverage. In British Columbia, for instance, different rules apply. After all, an unexpected expense isn't on the menu!