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Auto Insurance Claims/Auto accident while working

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Expert: - 5/16/2009


Question
Today I had an auto accident. I was going to the bank for my work. It is part of my regular duties. While driving I rear ended a vehicle and was cited for following too closely. My employer is covered by workers' comp and also general liability and property coverage. Do any of these coverages help me with my car damage since I was performing part of my job? My employer reimburses for mileage if we submit it.

Answer
Hi Camille,

No. Your employers insurance does not cover your car. It would be your own insurance that would cover your car. It may be possible to ask your employer to cover your deductible, however, they will likely not do so since after all, it was your negligence that caused the accident.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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