If you are traveling in your personal car and are involved in a car accident while traveling to another job site, is your company liable or do you assume responsibility and have to use your own insurance?
2006-11-16 04:05:24 · 4 answers · asked by bhartman4295 2 in Cars & Transportation ➔ Insurance & Registration
Your company will not be liable for damage in an accident you cause, but if you are traveling for work-related purposes or for the benefit of your employer, any injuries you sustain may be payable under workmen's comp.
2006-11-16 04:08:50 · answer #1 · answered by Emily B 4 · 0⤊ 0⤋
Emily's answer is spot on there (Can't vote, but I'll register my opinion here instead)
Hopefully your car insurance is at least SDP&C (Social, Domestic, Pleasure & Commuting) though I'm fairly certain SDP&C doesn't cover multiple places of work - might be a good idea to keep the circumstances hushed..
Insurance companies will find any reason possible not to pay out.
2006-11-16 04:49:46 · answer #2 · answered by chris m 2 · 0⤊ 0⤋
Insurance follows the vehicle, so your auto policy is on the hook for that. Going to and from work or a job site is usually not considered to be in the scope of your employment at the time, but that still doesn't matter.
2006-11-16 09:29:36 · answer #3 · answered by Chris 5 · 0⤊ 0⤋
If you're in a PIP (no fault) state, the clinical comes from the passengers OWN coverage first, if she has no vehicle then it comes from a coverage she is indexed as a motive force (her father and mother). If she lives by myself & there's no coverage in her loved ones, then & most effective then might or not it's protected via the driving force's coverage. If this can be a nonPIP state, the clinical will come from the driving force's coverage. If the driving force had no clinical repayments (it's non-compulsory in a few states, obligatory in others), then she's going to have got to pass to her possess wellbeing coverage. If she does use her possess wellbeing coverage & she sues the driving force for the wounds/discomfort & agony, she's going to almost always have got to reimburse her wellbeing coverage from the award. If not one of the above coverages observe (no automobile clinical repayments & no wellbeing coverage), she's going to have got to pay for her clinical expenses herself for now, then make a legal responsibility declare towards the driving force to get the money again & then, relying on her accidents, make a declare for discomfort & agony.
2016-09-01 13:31:03 · answer #4 · answered by Anonymous · 0⤊ 0⤋