Questions About Insurance Coverage And Liability On A Company Vehicle

My company is trying to force me to take home a company vehicle home. While it might save me a little bit on gas I am worried about insurance liability theirs and mine.

who is liable while driving home ?
who is liable for a non negligent accident while the truck is on my property
if I have an accident while driving to pick up another employee when they will not pay for that drive time? can it be considered company time if they make me pick up someone else?
am I liable while driving to the job-site?
will my personal insurance cover any or all of these question ?
if the company is informed that I live in an area that has a lot of crime and that I have no place to store their equipment can they be held liable ?
if an employee does not have insurance and it is not offered to them can they be held for any and all non negligent issues that happen?

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Darald Novak AAI
Retired Agent and Broker, Self Employed, Albany NY USA
The only way to determine what the policy covering the company vehicle provides is to examine the policy to find answers for your questions. As far as your personal auto policy (PAP) responding to occurrences while you are operating, maintaining, or using the company vehicle, make sure your personal auto policy provides 'extended non-owned auto' coverage. Many PAP policies exclude coverage for 'non-owned vehicles available for your regular use'. This exclusion needs to be deleted or 'bought back' on every personal auto policy sold in the USA as far as I am concerned.
Answered on July 25, 2014
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