If my work vehicle was recently broken into with $2800 worth of my tools stolen, amI covered under employer’s insurance?

A police report was made.I was asked to fill out form for employers insurance. I now have reason to believe employer received check but is telling me I am not covered. What can I do to find out if I’m covered?

Asked on October 31, 2011 under Employment Labor Law, Texas

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

You would not necessarily be covered under your employer's policy--it depends on the terms and conditions of that policy. Of course, if the employer did submit a claim for your tools and equipment (whether stating they were yours or claiming they were the employer's) and the tools, etc. were covered and the employer received a check for them, that money should be yours, not your employer's.

If you don't trust your employer, you can try contacting the insurer directly and asking them (or voicing your concerns to them), and they may or may not share the information with you (after all, you are not their insured; they do not have a contractual relationship or obligation to you). Or you could potentially bring a legal action (lawsuit) against the employer and/or insurer for the value of your tools. Unfortunately, the only mandatory or compulsory way you have to get information is to bring a lawsuit.


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