Will company insurance represent me for at fault accident, if I am sued?
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UPDATED: May 24, 2013
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Insurance Question from Holly Springs, GA
Asked on 05/24/2013
Will company insurance represent me for at fault accident, if I am sued? Live in GA, driving company vehicle on the clock, delivering company goods. Minor fender bender with no injuries. Told by company insurer did not need to notify my insurance, as this was a company case. Is this correct?
Answer given on May 27, 2013
An auto accident is covered by the insurance company that insures the car involved in the accident. If you were authorized to drive the company vehicle for deliveries, then that insurance company is going to handle the claim for damages to the other car as well as the company vehicle. Your insurance company does not need to be notified. They would most likely decline the claim since you were delivering property, and that is generally excluded under a personal auto policy.If there is a suit from the accident, the company’s insurance carrier will defend you in court and will pay any settlement determined to be due by the courts.If the accident is considered to be your fault, your insurance rates on your personal policy could be increased, depending upon the amount of damages caused in the accident, and if there was a police report of the incident.
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