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Why do you have to carry commercial coverage on your vehicle when your employer has an umbrella policy even if you are reimbursed for milelage?
Wiki User
∙ 15y ago
If you are using your personal auto in the course of business/in the course of employment, then you need to contact your insurance company. The reason for this is that the vehicle usage is CHANGED now, so the parameters they used to extend the offer of policy to you have now changed. Additonal concerns would arise if you were to injure someone while driving your own vehicle, but at the direction of and in the interest of your employer. The reimbursement for mileage has nothing to do with your insurance coverage. Mileage reimbursement is primarily intended to partially 'reimburse' you for wear and tear on your vehicle. Your company also most likely reimburses you for gas usage or provides a credit card designated specifically for gasoline purchases. Additionally, it is highly likely that your employer's umbrella policy does not cover your personal auto. The carrier for their umbrella policy is not interested in managing coverage on a potential fleet of vehicles not owned by the employer, which is exactly what they would be doing. The umbrella policy is likely in force for other types of injury/damages to others, caused by the company's activities.
Wiki User
∙ 15y ago
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