Am I liable to pay insurance excess

I had to use a hire truck for my job. I work for a company who was contracted by another company to do the job. The company we were contracted to hired the truck and had me down as a nominated driver. I signed no paperwork when collecting the truck though as was left at airport for me to collect on arrival. The guy from the other company who hired the truck didn’t pay the little bit extra for the 0 excess like my boss normally would. I had a minor accident where I swiped a pole in a carpark and damaged the nose cone of the truck resulting in about $1800 of damage that I am now being expected to pay. Is this right? There was no paperwork in the truck when I collected it. My boss has agreed to pay up front then I pay it off. This just doesn’t seem right to me. It was during work in the middle of a job.

Asked on July 25, 2018 under Employment Labor Law, Alaska


M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

If you were at fault for the accident, then you are responsible for paying for the damages that resulted. This is true regardless of your employment.

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

If you were at-fault in causing the accident (e.g. were careless), you are responsible to pay for the damage you did--it doesn't matter if the could have gotten more insurance but did not. At-fault drivers are always responsible to pay for the damage they do. And if you hit a stationary object, you were at fault, because it is careless to hit a stationary object.

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