I usually drive around for some matters about business my boss wants me to do using my own car. I don’t know if I will still be covered by my car insurance here in Nevada even if I use my car for that. How will I know for sure that my car insurance still protects me when I do business by means of my own car?

Lane

Las Vegas, NV

The majority of big companies have commercial car insurance policies that give protection to their employees when they are travelling on official business. In case you are using your personal vehicle on business and you are involved in as accident, your own car insurance policy in Nevada may kick in first, however, there would also be a possibility that your company’s insurance would compensate before your own. Make certain that you ask your boss and an insurance agent or your insurer to know the details.

Your boss must understand the basic information about the car insurance coverage for his/her employees. Be certain that you are familiar with how it works at your business. In case you have coverage from your company policy, ask your boss as to who you must contact in the event that there is an accident and take with you that info in your vehicle. No matter whether you talk to your own insurer or your employer’s insurer, you need to inform the insurance adjuster that you are driving the vehicle on business. Your own insurer must not decline your claim just because you are driving on a business, but they may try to get back the money from your company’s insurer afterwards. In case of an accident during a business trip, it would be better to begin at your employer’s insurer. That is because it would also be better if you have fewer or no claims on your personal car insurance history.