If driving a company truck when not at work you are reliable for everything. If you wreck you could get fired and have to pay for damages.
It depends.... If the girl that hit your car has car insurance that covers her while driving another persons vehicle, go after her and her insurance company. But if not, go after the owner of the vehicle, they are responsible for the vehicle at all times. The insurance company doesnt care who is driving.
A Jeep is a very reliable vehicle that has been around for a long time. It is made tough and good for on road and off road driving.
When driving behind another vehicle at night,
NO
you are because your the vehicle owner
Categorically no. The insurance relates solely to driving on company business.
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.
If your license is suspended, you should not be driving any vehicle, including a company vehicle. The company should not allow you to drive.
Quite likely. The insurance company will think you showed poor judgment by allowing this person to operate your vehicle.
His liability insurance on his car should transfer to the vehicle that he is driving.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
The best way to find a reliable vehicle insurance company is to research a number of companies, ask relatives or friends about their experiences, and ensure that the policy being offered covers all your requirements, especially in the small print.