Federal Portal-to-Portal Act says that the commute from home to assigned work site is unpaid.
If injured in employer vehicle, the employer's auto insurance applied, NOT workers comp - commuting employees are not in the course and scope of employment.
No. You may have a civil case if you take them to court but it is not automatically covered just because you were doing something on behalf of your employer.
In most cases, the company's insurance carrier will pay for damages, as long as the fault causing the accident was not caused by the employee. The employee here is representing the company in this case - if the employee is charged with negligent driving and was cited for causing the accident, the company insurance carrier will most likely pay, but will seek restitution from the employee. Could get into a real sticky situation.
No.
Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.
Yes, if you're talking about Employer Group Insurance.
You need to contact your insurance company.
can a employer contact you while you are covered by a sick note
That depends if the rewards are company owned and if the employee is traveling for business purposes and all expense of the employee is covered by the company.
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
A health insurance plan is designed based on what the employer wants. So if a plan says that domestic partners are covered then the employer group is the one that put that wording in the policy. So if an employer wont cover a domestic partner then domestic partners aren't covered company wide.