I work for a company as an employment counselor in Florida. For my job I back people with disabilities become employed. I basically started about a month ago and I was simply thinking about a certain aspect of my available job. I drive these clients around to speak with employers and apply for job etc. If we were ever to get surrounded by a car accident (God forbid) and one of my clients be with me and got hurt- the client would sue my insurance company and I would be screwed. I am almost positive my company doesnt hold insurance coverage for this kind of event because I gave them the identify of my car insurance company info when I started and that was that. Does this nouns terribly risky to anybody else? Any help? Thanks!
you are correct that you would be libel. the only possible solution would be to use an employer owned vehicle, most likely though not plausible.
Answers: Ask your employer, but I believe they would enjoy coverage. As long as any incident occurs while you are in the course and compass of your of your employment, the company's Auto Policy would likely kick surrounded by after your personal liability coverage is exhausted. Most Business Auto policies cover "all autos" or the policy includes coverage for non-owned/hired vehicles not merely named like a personal policy. The layering of coverage will depend on how the policy read. Double check, but you should be OK.
you are correct that you would be libel. the only possible solution would be to use an employer owned vehicle, most likely though not plausible.
Step one is to ask the employer if they hold that aspect of the job covered through insurance, or if it's your responsibility. If (likely) it's on you, talk to your agent more or less an umbrella policy that would cover the increased liability. Don't forget to keep track of the miles you use your car for company business so you can filch the tax deduction from your taxes. I'm not sure about this, but I think most companies hold insurance that would cover their employees if they get into an quirk while they are traveling for work, whether by car, plane, train, etc. I'm not sure if this would cover repair to your vehicle, but I think it covers injury to you. It seem to me that this wouldn't fall on you, but you never know. I would ask someone in HR at your company what the procedure would be if this happen. It seems infair for you to have to use your personal insurance to cover something resembling that. I would also call you insurance company to see what they say.
Do it immediately before it's too late.
Step one is to ask the employer if they hold that aspect of the job covered through insurance, or if it's your responsibility. If (likely) it's on you, talk to your agent more or less an umbrella policy that would cover the increased liability. Don't forget to keep track of the miles you use your car for company business so you can filch the tax deduction from your taxes.
Driving instructor? any money to be made...
Too nervy during road testing to capture...
you are correct that you would be libel. the only possible solution would be to use an employer owned vehicle, most likely though not plausible.
Answers: Ask your employer, but I believe they would enjoy coverage. As long as any incident occurs while you are in the course and compass of your of your employment, the company's Auto Policy would likely kick surrounded by after your personal liability coverage is exhausted. Most Business Auto policies cover "all autos" or the policy includes coverage for non-owned/hired vehicles not merely named like a personal policy. The layering of coverage will depend on how the policy read. Double check, but you should be OK.
you are correct that you would be libel. the only possible solution would be to use an employer owned vehicle, most likely though not plausible.
My mothers identify is on the title...
Step one is to ask the employer if they hold that aspect of the job covered through insurance, or if it's your responsibility. If (likely) it's on you, talk to your agent more or less an umbrella policy that would cover the increased liability. Don't forget to keep track of the miles you use your car for company business so you can filch the tax deduction from your taxes. I'm not sure about this, but I think most companies hold insurance that would cover their employees if they get into an quirk while they are traveling for work, whether by car, plane, train, etc. I'm not sure if this would cover repair to your vehicle, but I think it covers injury to you. It seem to me that this wouldn't fall on you, but you never know. I would ask someone in HR at your company what the procedure would be if this happen. It seems infair for you to have to use your personal insurance to cover something resembling that. I would also call you insurance company to see what they say.
Do it immediately before it's too late.
Step one is to ask the employer if they hold that aspect of the job covered through insurance, or if it's your responsibility. If (likely) it's on you, talk to your agent more or less an umbrella policy that would cover the increased liability. Don't forget to keep track of the miles you use your car for company business so you can filch the tax deduction from your taxes.
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