The insurance follows the vehicle so if an employee was in an accident in their own car their insurance is primary.

Auto accident while working insurance. In most cases of auto accidents on work time the employers liability coverage indemnifies the employee against lawsuits by third parties. This means the employers insurance company protects the employee from having to personally pay for injured peoples damages. Get A Free Quote In Minutes.

Where theres disagreement about how an accident was caused insurers reach their initial position about liability based on what they think would happen if the case went to court. Crashes that result in injury or death are also among the top of the list for high insurance increases. Get A Quote Buy Online 247.

Ad Protect The Things That You Value The Most With Direct Line Tenants Cover. If you were not working when the accident happened you can decide to use your health insurance and even file a claim against the at-fault partys auto insurance. If you have an accident in an older car with minor damage you may decide not to claim on your insurance in case the car is written off.

This coverage will be primary if you are hurt in an accident while you are working before Workers Compensation kicks in. Then you find out that your automobile insurance does not cover the collision because he was using the car in a trade or business. Ad Whether Rain Or Shine Well Have Your Car Insurance Covered.

Get A Free Quote In Minutes. The employers insurance kicks in if the employees insurance wasnt enough to cover the damage. This scenario plays out many times each year and catches many people by surprise especially those who are self-employed those in sales and people working in service industries who use their own vehicles to call on customers.

A fellow motorist drives into the back of you. Let us Help You Save Money and Get a Better Deal. Get A Quote Buy Online 247.