Q. Who is the Regimental insurance contact?

A. Our Ordnance Lieutenant, Mike Flye.

Q. When are the forms and payment due?
 
A. January 31st, 2015. 
 
Q. Who has to have insurance?

A. According to the By-laws of the ANV, every member must have liability and accidental insurance.

Note the following from the ANV By-Laws, Article V, Section 2:

A. Insurance
1. Every unit in the Division must have liability and accidental insurance for each of its individual members.
2. Every unit in the Division must carry liability and accidental insurance through the ANV’s carrier.
3. The Division offers a liability and accidental insurance policy that is available to all of its members.

However, note the following from the ANV Insurance Form:

**A unit who elects to purchase their own liability coverage must pay dues to ANV of $2.00 per person and have the insurance company provide a Certificate of Liability to the Insurance Coordinator.**

Q. What is liability insurance?

A. Liability Coverage protects you against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. This is protection against the spectator who trips over your tent rope and takes a header into your fire pit.

Q. What is accidental insurance?

A. Coverage against injuries or damages sustained by yourself while participating in sponsored activities. A member is also covered while traveling, directly and without interruption, to and from any officially sponsored activity and his or her home or place of residence. He, or she, is not covered for pre-existing medical conditions, injuries or illnesses sustained before the event, etc. This pays for you when you trip over your tent rope and take a header into your fire pit.

Q. How do I sign up to get insurance?

A. Units collect money from their members, and submit rosters of who is insured to the Liberty Greys. Your unit may ask you for payment or it may be included in your unit dues. Check with your officers and NCOs for specific details.

Q. What if I don’t have a unit?

A. All combatants must be a member of a Liberty Greys unit. Civilians not attached to a specific unit may insure through a unit willing to let them do so or should contact the Liberty Grey’s Civilian Coordinator.

Q. Who provides the insurance?

A. Units insure under liability and accidental policies provided by the 1st Division, Army of Northern Virginia  (henceforth the ANV) to its members.

Q. Do we have to use the ANV insurance?

A. Yes, according the ANV By-Laws, all member units must take ANV insurance.  However, the ANV will accept a Certificate of Liability from anoutside company, as long as the $2 dues are paid. This will be considered acceptable insurance.  However, it must be done bynunit. Self insuring is not acceptable.

Q. What are sponsored activities?

A. Liability and Accidental insurance is covered by a per member basis. Any event of which the ANV has been notified is covered. 

Q. What kind of events does the ANV insurance cover?

A. Reenactments, living histories, school programs, unit meetings and social gatherings, and other similar official unit activities, of which the ANV has been notified.

Q. What if we add a meeting or event?

A. Send notice to the ANV two weeks prior to the event and they will add it to the calendar of insured activities with the carrier. 

Q. You keep saying ‘carrier’?

A. Insurance companies are sometimes referred to as carriers (of your policy). It’s the same thing.

Q. How much are we covered for with these two policies?

A. Unfortunately, we can’t post that on the internet but once your unit has purchased insurance, your unit should receive a certificate of coverage which spells that all out.

Q. How much does the ANV coverage cost?

A. $10 per member.

Q. Does everyone in my family need insurance?

A. See the ANV By-Laws as cited above, every member must be insured.  If a member of your family is going to attend an event as a reenactor, that person must be insured, either with the ANV insurance, or with an outside policy for which a Certificate of Liability has been provided to the ANV.

The ANV Insurance Form does provide that a member under the age of 12 who stays in camp must only pay $5.

Q. Can I buy liability insurance without accidental?

A. The insurance as provided by the ANV is both, and both are required.

Q. OK, I get hurt at an event and end up in the Emergency Room. Who’s paying?

A. At the time of treatment, you are, if you have the ANV accidental insurance, unless your primary insurance from work satisfies the hospital. This policy is considered to be secondary insurance coverage which means that it’s gap insurance it’s intended to pay what your primary policy from work, etc., doesn’t.

Q. What if I don’t have other insurance?

A. Then this policy becomes primary and it will cover your eligible medical expenses.

Q. So how do I get paid?

A. In almost every case, you will be expected to pay for costs not covered by your primary insurance carrier at the time of service. You should obtain a claim form from your company commander and complete it. The ANV coverage is excellent and has thus far reimbursed claimants very quickly.

Q. What if he doesn’t have a claim form?

A. He can obtain one from his battalion commander or the ANV directly.

Q. When does the ANV insurance become effective?

A. The policy year starts on April 1st. You must be paid up by then.

Q. What about new members?

A. They should pay their insurance on joining the unit and the ANV should be notified of the addition. Their insurance becomes effective upon notification of the new member to the ANV.

Q. What if reenactors from other units fall in with us for an event?

A. Reenactors from Liberty Greys units are required to have insurance from their own companies. They will be covered for any event on your unit's schedule, which has been submitted to the ANV. Reenactors from outside the battalion should be required to provide proof of insurance, or purchase ANV insurance. Note, any ANV member with a current ANV insurance card has insurance.

Q. What if I don’t buy ANV insurance?

A. Then you cannot participate in events with Liberty Greys units.