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Can your employer ask for your vehicle insurance to drive their vehicle?
Wiki User
∙ 10y ago
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.
Wiki User
∙ 10y ago
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Is it legal for an employer to ask for what vehicle type you drive?
Yes.
Is your car covered if the driver does not have insurance?
If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.
If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
Can your employer force you to haul items in your own vehicle when your personal insurance doesn't cover it?
There is no law that prevents it, but you may want to ask him for a waiver to be sure he understands that your insurance does not apply.
Does your insurance cover you to drive a car that has no insurance?
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.
Do you need major medical insurance if you have employer supplied insurance?
Generally, employer-supplied insurance will provide major medical. Check your policy or ask your HR representative about your specific policy.
What questions should employer ask when selecting a health insurance broker?
There are many questions that employer should ask when selecting a health insurance broker. The common questions will include amount of premiums to be paid and what the policy covers among others.
When is the best time to ask for a car insurance quote in Missouri?
There is no time of the year that is better than another when it comes to purchasing car insurance. No matter what time of year you purchased the car insurance will have to pay the same yearly, or semi-yearly premium. However if you are about to purchase a vehicle, or if you have just received a vehicle as a gift it would be better for you to purchase car insurance before you start to drive your vehicle. Driving your vehicle without car insurance is irresponsible.
Can your employer force you to put the company name on your auto insurance if you drive your personal vehicle to do company business?
If the employer is compensating you for the use of your truck, i.e, a mileage rate, then yes they can ask to be listed as an additional insured. However, if they fail to pay you anything for the use of your vehicle, they have no right to demand anything regarding your vehicle. It should also be noted that if you have an accident while in the performance of your employment, they are ultimately liable. Make sure you inform your carrier that you are using the truck for their work - then watch your rates go through the roof.
If Im not the original owner of vehicle how do I get insured on the vehicle?
You do not have to be the original owner to be on the insurance. You just need to call the insurance carriers company and ask that you be added as a driver on that vehicle.
Can your employer ask for your personal auto insurance to operate company vehicles?
Yes and no. They are not asking for your personal insurance to have it cover their vehicles. What they are asking for this insurance information is because as you may use your personal vehicle to run an errand like go to the post office or such. Their insurance carrier probably requires this knowledge in case a claim arose
Can your employer ask for proof for other coverage if you are trying to cancel you insurance with them before they will cancel you?
AnswerYes.
