Yes they can.
The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.
A DOT Reportable Accident is an accident where any injuries occured or any vehicle involved was towed from the scene. Additionally if there was $10,000 or more in property damage.
Ask the driver or owner of the vehicle. They are required to give you (and the police) that information at the time of the accident.AnswerOn an accident report, the police officer lists the insurance information. Contact the police department who responded to the scene to determine how to obtain a copy of the report.
What would you file a claim for? The vehicle is not yours and it's a minor accident with no injuries, so you have no loss.
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
Sure you can fight it.
NOT necessarily. A company owned passenger car that is intended for the personal transportation of company employees would not need to be registered as a commercial vehicle. However, a vehicle used to transport goods would be considered a commercial vehicle. This is common in the logistics and transport industries.
The second vehicle will be covered by it's own insurance. That company will then attempt to sue the driver to recoup it's losses
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
I own a small courier company. We are incorporated. We have to have commercial auto as our consumer auto company said they wouldn't cover accidents we had while doing business with our vehicles. Plus they are owned by the company. I would check with my accountant. If your trucks are owned by the company I would assume you would have to have commercial auto. If a driver is using the vehicle on a job has an accident your company is liable, right? If the vehicle is generating income it would fall under the commercial umbrella where commercial insurance would be needed.
No. A commercial vehicle is defined as a motor vehicle used for public transportation or cargo transportation. Generally, A vehicle is designated "commercial" when it is titled or registered to a company. A taxi cab is a commercial vehicle. A police car is not.