I have many years working as a caregiver for various home health agencies in CA. We are likely to get more work if we have a car, as clients require transportation to and from doctors appointments and to run errands. We get reimbursed for mileage but i came across a problem with car insurance companies last year.
I was shopping around for cheaper rates and when i was asked about my job, they asked if my employer had their own insurance policies for us caregivers that were drivers. I found out through my agency that no, they do not have coverage and thats why they wanted us to make sure we are insured. The problem is that then i would have to pay for commercial vehicle insurance since I am using my car for "commercial purposes" . the receptionist at my employers office even encouraged insurance fraud, saying that if I ever WAS to get into an accident with a client in my car, I can lie and say it is a relative of mine, not a client!! Obviously if there were any serious injuries the truth would eventually come out!
I have worked these jobs for many years and upon hire I always have to submit proof of car insurance. Luckily i have never been in an accident, but if I were, would the agency be in more legal trouble or me??