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Auto Insurance Claims/Step-son got a DUI in our Company Truck

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Expert: - 10/15/2009


Question
My step son received a DUI last night while driving our company vehicle insured on a fleet auto policy. If he gave the auto insurance info to the police officer, will our insurance company find out that he had a DUI in a company vehicle? He did not have permission to be driving it. Will it matter to our insurance company that he did not have permission to be driving and that we didn't know he had the truck?
Thank You!
-L-

Answer
You will have to double check this with your agent since this is only my guess. If your son was not named on the policy to be a driver and he did not have your permission, then I don't think it would affect your premium. But you may also have to file a stolen vehicle police report to make the insurer happy? Like I said, I don't really know since underwriting rules vary from company to company. Sorry

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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