Getting into an accident on job in Sandy, UT can be a complicated situation. When you are driving your own vehicle, it may not always be possible to make a claim on your auto policy. Depending on the situation and the reason that you were driving, the ability to make a claim may vary.
Company Errands and Work-Related Travel
Whenever you are running errands for the company or traveling for work, you should expect that your auto insurance provider will not pay for the damages to your vehicle or the liability concerns if you caused the accident.
Many insurers will not pay for work-related travel in a personal vehicle because the liability and responsibility rests on the company. You are traveling for your job, not for a personal reason. That means that your employer is ultimately responsible for any accident that occurs.
Primarily Personal Travel
In situations where you are primarily running personal errands and pick up one or two items for your work at the same time, it may still be covered under your personal policy. For example, if you pick up something for the office while you are doing your normal grocery shopping, then the errands may not be considered part of your work.
Generally, any time you are driving for your work for any reason, your employer’s liability coverage will pay for the damages that occur after an accident. You do not necessarily need to be driving a company vehicle to make a claim.
Driving a personal vehicle for work-related errands and travel can be risky, but it is not necessarily your coverage that will pay for any accidents that occur. Contact us to speak to an agent for more details.