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fault than the city, or if the injury were simply an accident that really wasn't anyone's fault. <br />volunteer coach being hit in the head by a batted baseball might be an example of the latter <br />situation. <br /> <br />A <br /> <br />The volunteer accident coverage protects the volunteer on a "no-fault" basis. The benefits are <br />automatically payable if the injury occurs while the volunteer is performing services for the city, <br />regardless of whose fault it was. ]Besides protecting the volunteer whose injury isn't caused by <br />the city's negligence, having these no-fault benefits available could also help avoid litigation in <br />cases where the city (or a city officer, employee, or other volunteer) is or may be at £ault. The <br />injured volunteer can receive these benefits without getting into an adversary situation against <br />the city. <br /> <br />Of course, if the volunteer's injuries exceeded the benefits paid under this coverage, he/she <br />would still be able to make a tort claim against the city for those excess damages, if the injury <br />was caused by the city's negligence. <br /> <br />Why did LMCIT create a whole new program? Why not just offer a "voluntary workers' <br />compensation endorsement" and provide workers compensation benefits to volunteers? <br /> <br />The LMCIT Board chose this approach for several reasons. It's substantially less expensive to <br />the city than providing workers compensation benefits would be, reflecting the more limited <br />scope of benefits provided. Administration is simpler for the city, since the city doesn't have to <br />keep records of how many hours were worked by how many volunteers, etc. It eliminates the <br />problem of determining what the appropriate indm2nity rate is for an unpaid volunteer. It's also <br />less risky for LMCIT and for LMCIT's other members. <br /> <br />How do we enroll? <br /> <br />To em-oil, complete and return the attached form. LMCIT will bill the city for the premium. <br /> <br />Further information <br /> <br />If you have any questions or need further information, contact any of the following: Pete <br />Tritz at 651-281-1265; Tom Grundhoefer at 651-281-1266; Pat Deshler at 651-281-1267; or <br />Barb Meyer at 651-281-4173. <br /> <br />PST - 4/13/98 - fax-66050 <br /> <br /> <br />