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.
If your serious go ask your insurance company
The companies insurance will protect them from being sued but not you.
Yes, That's how it works. The insurance company sells you coverage in the form of an insurance policy and you pay a premium in exchange for that coverage. If you don't pay for the coverage then your not covered.
Some insurance companies like Progressive will cover a non-owned vehicle meaning a vehicle in which you have no legal or financial interest. Check around if your insurance company does not provide coverage to non-owned vehicles.
The insurance follows the vehicle so your own insurance company would be primary. However, if you don't carry the comprehensive coverage on your own policy and your friend has a vehicle with comprehensive coverage, his coverage would be secondary and pay for the damages.
It really depends what state you live in. Although if you have full coverage on your vehicle you should report through your company and your company will go after the other insurance company to get their money back. If you have no collision coverage for your vehicle then you will need to file with the other insurance company and they will decide who was at fault for the accident, if their insured is at fault they will repair your vehicle
There is nothing you can do. How would an insurance company cover a car without the proper VIN to identify that vehicle?
Lightning is covered under Comprehensive coverage, if the vehicle has that particular coverage on it at the time of the incident. If you have that coverage is place, file a claim with your insurance company, and you should be compensated for your loss, minus the deductible.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
No, Non Owners often referred to as Named Driver insurance never covers a company vehicle. It is the responsibility of your company to provide insurance for it's employees when driving a company vehicle.