Is your employer responsible for your car accident if it occurred while you were on the clock and transporting company property?

Answer 1

You don't say what happened in the accident. Were you 'at fault'? If so, then no I doubt it, if your negligence caused the loss. If another party is At Fault then file with that company as well as your own, (this is about the only scenerio that you aren't going to have a problem). If an unknown party caused a loss say a hit and run while parked and unoccupied and no way to find that party. There are all sorts of problems that result from these losses, your policy will more than likely deny/exclude this as business use, and if you have not rated your vehicle for this they more than likely will deny it. The argument could be make (successfully I think in court, not necessarily with yours or the companys insurance-again assuming you were not negliegent in any fashion) that you were acting as their agent, and wouldn't have suffered this loss had you not been doing something for them in the scope of your employment. If a loss has occured file it with your company, and your employers. I think there is definitely a 'moral' obligation on the part of your employer, but you know how that goes. :( If you drive your vehicle to do company business you need to disclose this to your insurance company and have business use added to your policy (maybe your employer would pay this additional premium?)........if you want to provide me with details, then I could perhaps be of more assistance to you....good luck....also you don't say exactly what you were doing for your employer, if you are just dropping off mail on the way home? Is it a routine part of your employment etc.